Balance Sheet
As of December 31, 2006

(in thousands)

ASSETS

Cash & Due from Banks $45,031
Investment Securities and Other Investments $78,775
Loans, net $512,710
Bank Premises, net $16,100
Other Assets $6,920
________

TOTAL ASSETS $659,536

LIABILITIES AND EQUITY CAPITAL

Deposits $598,702
FHLB Advances $11,369
Other Liabilities $7,975

TOTAL LIABILITIES $618,046

TOTAL EQUITY CAPITAL $41,490

TOTAL LIABILITIES AND EQUITY CAPITAL $659,536

STATEMENT OF OPERATIONS
Year ending December 31, 2006
(In thousands)

Interest Income $56,601
Interest Expense $16,392
Loan Loss Provision $232

Net Interest Income after Loan Loss Provision $39,977

Non-Interest Income $5,443
Non-Interest Expense $29,053

NET INCOME $16,367

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