Statement of Condition

March 31, 2008

Assets

Cash & Balances Due from Depository Institutions:
     Noninterest-bearing Balances and Currency and Coin $41,738,000
     Interest-bearing Balances $2,226,000
Securities:
     Held-to-maturity Securities $0
     Available-for-sale Securities $243,900,000
Federal Funds Sold and Securities Purchased Under Agreements to Resell:
     Federal Funds Sold $0
     Securities Purchased Under Agreements to Resell $0
Loans and Lease Financing Receivables:
     Loans and Leases Held for Sale $0
     Loans and Leases, Net of Unearned Income $612,525,000
     LESS: Allowance for Loan and Lease Losses $7,540,000
     Loans and Leases, Net of Unearned Income and Allowance $604,985,000
Trading Assets $0
Premises and Fixed Assets (including capitalized leases) $9,995,000
Other Real Estate Owned $1,939,000
Investments in Unconsolidated Subsidiaries and Associated Companies $0
Intangible Assets:
     Goodwill $4,169,000
     Other Intangible Assets $2,398,000
Other Assets $14,131,000
Total Assets $925,481,000



Liabilities

Deposits
In Domestic Offices: $727,676,000
     Noninterest-Bearing $171,544,000
     Interest-bearing $556,132,000
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase
     Federal Funds Purchased $2500
     Securities Sold Under Agreements to Repurchase $33,410,000
Trading Liabilities $0
Other Borrowed Money (includes mortgage indebtedness and obligations under capitalized leases) $66,224,000
Bank's Liability on Acceptances Executed and Outstanding $0
Subordinated Notes and Debentures $0
Other Liabilities $4,601,000
Total Liabilities $834,411,000
Minority Interest in Consolidated Subsidiaries $0



Equity Capital

Perpetual Preferred Stock and Related Surplus $0
Common Stock $413,000
Surplus (exclude all surplus related to preferred stock) $39,587,000
Retained Earnings $50,658,000
Accumulated Other Comprehensive Income $412,000
Other Equity Capital Components $0
Total Equity Capital $91,070,000
Total Liabilities, Minority Interest, and Equity Capital $925,481,000


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