Balance Sheet
As of December 31, 2008

(in thousands)

ASSETS

Cash & Due from Banks $73,120
Investment Securities and Other Investments $75,801
Loans, net $736,206
Bank Premises, net $31,470
Other Assets $19,030
________

TOTAL ASSETS $935,627

LIABILITIES AND EQUITY CAPITAL

Deposits $764,576
FHLB Advances $100,458
Other Liabilities $10,454

TOTAL LIABILITIES $875,488

TOTAL EQUITY CAPITAL $60,139

TOTAL LIABILITIES AND EQUITY CAPITAL $935,627

STATEMENT OF OPERATIONS
Year ending December 31, 2008
(In thousands)

Interest Income $70,330
Interest Expense $23,030
Loan Loss Provision $2,261

Net Interest Income after Loan Loss Provision $45,039

Non-Interest Income $10,616
Non-Interest Expense $43,627

NET INCOME $12,028

The above statements represent the financial highlights of the bank and is not intended to include all disclosures under Generally Accepted Accounting Principles.