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&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Cash&#13;
  Flows&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Cash&#13;
  and cash equivalents include cash, deposits with other financial&#13;
  institutions excluding certificates of deposit, and federal funds&#13;
  sold.&amp;nbsp;&amp;nbsp;Net cash flows are reported for customer loan&#13;
  and deposit transactions.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
    &lt;font style="DISPLAY: inline; FONT-WEIGHT: bold"&gt;Certificates&#13;
    of Deposit at Other Financial Institutions&lt;/font&gt;&#13;
  &lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Certificates&#13;
  of deposits at other financial institutions are carried at&#13;
  cost.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Securities&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  Company is required to report readily-marketable equity and debt&#13;
  securities in one of the following categories: (i)&#13;
  &amp;#147;held-to-maturity&amp;#148; (management has the positive intent&#13;
  and ability to hold to maturity), which are reported at amortized&#13;
  cost; (ii) &amp;#147;trading&amp;#148; (held for current resale), which&#13;
  are to be reported at fair value, with unrealized gain and losses&#13;
  included in earnings; and (iii) &amp;#147;available for sale&amp;#148;&#13;
  (all other debt and marketable equity securities), which are to&#13;
  be reported at fair value, with unrealized gains and losses&#13;
  reported net of taxes, as accumulated other comprehensive income,&#13;
  a separate component of stockholders&amp;#146; equity.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Interest&#13;
  income includes amortization of purchase premium or&#13;
  discount.&amp;nbsp;&amp;nbsp;Premiums and discounts on securities are&#13;
  amortized on the level-yield method without anticipating&#13;
  prepayments, except for mortgage backed securities where&#13;
  prepayments are anticipated.&amp;nbsp;&amp;nbsp;Gains and losses on sales&#13;
  are recorded on the trade date and determined using the specific&#13;
  identification method.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  Company evaluates securities for other-than-temporary impairment&#13;
  at least on a quarterly basis, and more frequently when economic&#13;
  or market concerns warrant such&#13;
  evaluation.&amp;nbsp;&amp;nbsp;Consideration is given to the length of&#13;
  time and the extent to which the fair value has been less than&#13;
  cost, the financial condition and near term prospects of the&#13;
  issuer, and whether management intends to sell or it is more&#13;
  likely than not that management would be required to sell the&#13;
  securities prior to their anticipated recovery.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Real&#13;
  Estate Mortgage Loans Held for Sale&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Real&#13;
  estate mortgage loans originated and intended for sale in the&#13;
  secondary market are carried at the lower of cost or estimated&#13;
  fair value in the aggregate. All sales are made without recourse.&#13;
  Gains and losses on the disposition of loans held for sale are&#13;
  determined on the specific identification basis. Net unrealized&#13;
  losses are recognized through a valuation allowance by charges to&#13;
  income.&amp;nbsp;&amp;nbsp;There were no valuation allowances as of&#13;
  December 31, 2011 and December 31, 2010. Management does not&#13;
  retain servicing with respect to these loans.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Loans&#13;
  Receivable&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Loans&#13;
  receivable that management has the intent and ability to hold for&#13;
  the foreseeable future or until maturity or payoff are reported&#13;
  at their unpaid principal adjusted for any charge-offs, the&#13;
  allowance for loan losses, any deferred fees and costs on&#13;
  originated loans, and any unamortized premiums or discounts. Loan&#13;
  origination and commitment fees and certain direct loan&#13;
  origination costs will be deferred and the net amount amortized&#13;
  as an adjustment of the related loan&amp;#146;s yield using methods&#13;
  that approximate the interest method over the contractual life of&#13;
  the loan. Loan interest income is accrued daily on outstanding&#13;
  balances. A loan is impaired when full payment under the loan&#13;
  terms is not expected.&amp;nbsp;&amp;nbsp;Commercial and commercial real&#13;
  estate loans are individually evaluated for&#13;
  impairment.&amp;nbsp;&amp;nbsp;If a loan is impaired, a portion of the&#13;
  allowance is allocated so that the loan is reported, net, at the&#13;
  present value of estimated future cash flows using the&#13;
  loans&amp;#146; existing rate or at the fair value of collateral if&#13;
  repayment is expected solely from the&#13;
  collateral.&amp;nbsp;&amp;nbsp;Large groups of smaller balance&#13;
  homogeneous loans, such as consumer and residential real estate&#13;
  loans, are collectively evaluated for impairment, and&#13;
  accordingly, they are not separately identified for impairment&#13;
  disclosure.&amp;nbsp;&amp;nbsp;The accrual of income on all classes of&#13;
  loans, including impaired loans, is generally discontinued when a&#13;
  loan becomes more than 90 days delinquent as to principal and&#13;
  interest or when other circumstances indicate that collection is&#13;
  questionable, unless the loan is well secured and in the process&#13;
  of collection. Income on all classes of nonaccrual loans,&#13;
  including impaired loans, will be recognized only in the period&#13;
  in which it is collected, and only if management determines that&#13;
  the loan principal is fully collectable. Loans are returned to an&#13;
  accrual status when a loan is brought current as to principal and&#13;
  interest and when reasons for doubtful collection no longer&#13;
  exist.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Allowance&#13;
  for Loan Losses&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  allowance for loan losses is increased by provisions for loan&#13;
  losses charged to income.&amp;nbsp;&amp;nbsp;For all portfolio segments,&#13;
  losses are charged to the allowance when all or a portion of a&#13;
  loan is deemed to be uncollectible.&amp;nbsp;&amp;nbsp;Subsequent&#13;
  recoveries of loans previously charged off are credited to the&#13;
  allowance for loan losses when realized.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  allowance for loan losses is a significant estimate based upon&#13;
  management&amp;#146;s periodic evaluation of each segment of the loan&#13;
  portfolio under current economic conditions, considering factors&#13;
  such as the Company&amp;#146;s past loss experience, known and&#13;
  inherent risks in the portfolio, adverse situations that may&#13;
  affect the borrower&amp;#146;s ability to repay, and the estimated&#13;
  value of the underlying collateral.&amp;nbsp;&amp;nbsp;Establishing the&#13;
  allowance for loan losses involves significant management&#13;
  judgment, utilizing the best available information at the time of&#13;
  review.&amp;nbsp;&amp;nbsp;Those judgments are subject to further review&#13;
  by various sources, including the Bank&amp;#146;s regulators, who may&#13;
  require the Company to recognize additions to the allowance based&#13;
  on their judgment about information available to them at the time&#13;
  of their examination.&amp;nbsp;&amp;nbsp;While management estimates loan&#13;
  losses using the best available information, future adjustments&#13;
  to the allowance may be necessary based on changes in economic&#13;
  and real estate market conditions, further information obtained&#13;
  regarding known problem loans, the identification of additional&#13;
  problem loans, and other factors.&amp;nbsp;&amp;nbsp;Allocations of the&#13;
  allowance may be made for specific loans, but the entire&#13;
  allowance is available for any loan that in management&amp;#146;s&#13;
  judgment should be charged off.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div&#13;
style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  allowance consists of specific and general&#13;
  components.&amp;nbsp;&amp;nbsp;The specific component relates to loans&#13;
  that are individually classified as impaired.&amp;nbsp;&amp;nbsp;The&#13;
  general component covers non-impaired loans and is based for all&#13;
  portfolio segments on historical loss experience adjusted for&#13;
  current factors.&amp;nbsp;&amp;nbsp;The historical loss experience is&#13;
  determined by portfolio segment and is based on the actual loss&#13;
  history experienced by the Company over the preceding twelve&#13;
  months.&amp;nbsp;&amp;nbsp;This actual loss experience is supplemented&#13;
  with other economic factors based on the risks present for each&#13;
  portfolio segment.&amp;nbsp;&amp;nbsp;These economic factors include&#13;
  consideration of the following:&amp;nbsp;&amp;nbsp;levels of and trends&#13;
  in delinquencies and impaired loans; levels of and trends in&#13;
  charge-offs and recoveries; trends in volume and terms of loans;&#13;
  effects of any changes in risk selection and underwriting&#13;
  standards; other changes in lending policies, procedures, and&#13;
  practices; experience, ability, and depth of lending management&#13;
  and other relevant staff; national and local economic trends and&#13;
  conditions; industry conditions; and effects of changes in credit&#13;
  concentrations.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
&lt;font&#13;
style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
&lt;br /&gt;&amp;nbsp;&#13;
&lt;font&#13;
style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Premises&#13;
and Equipment&lt;/font&gt;&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Land&#13;
  is carried at cost. Bank premises, leasehold improvements and&#13;
  furniture and equipment are carried at cost less accumulated&#13;
  depreciation and amortization.&amp;nbsp;&amp;nbsp;Depreciation expense is&#13;
  recognized on a straight-line basis over the estimated useful&#13;
  lives of the related assets, which are 35 years for bank premises&#13;
  and 2 to 7 years for furniture and&#13;
  equipment.&amp;nbsp;&amp;nbsp;Amortization of leasehold improvements is&#13;
  recognized on a straight-line basis over the terms of the&#13;
  respective leases, resulting in amortization periods ranging from&#13;
  approximately 8 to 10 years.&amp;nbsp;&amp;nbsp;Costs incurred to improve&#13;
  or extend the life of existing assets are&#13;
  capitalized.&amp;nbsp;&amp;nbsp;Repairs and maintenance are charged to&#13;
  expense.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Goodwill&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Goodwill&#13;
  results from business acquisitions and represents the excess of&#13;
  the purchases price over the fair value of the acquired assets&#13;
  and liabilities and identifiable intangible assets. The&#13;
  Company&amp;#146;s goodwill is associated with the purchase of a&#13;
  mortgage banking company upon formation of the Bank. Goodwill is&#13;
  assessed at least annually for impairment and any such impairment&#13;
  will be recognized in the period identified.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Income&#13;
  Taxes&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div&#13;
style="TEXT-ALIGN: justify; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Income&#13;
  tax expense is the total of the current year income tax due or&#13;
  refundable and the change in deferred tax assets and&#13;
  liabilities.&amp;nbsp;&amp;nbsp;Deferred tax assets and liabilities are&#13;
  the expected future tax amounts for the temporary differences&#13;
  between carrying amounts and tax bases of assets and liabilities,&#13;
  computed using tax rates.&amp;nbsp;&amp;nbsp;Temporary differences are&#13;
  differences between the tax basis of assets and liabilities and&#13;
  their reported amounts in the financial statements that will&#13;
  result in taxable or deductible amounts in future years. The&#13;
  effect on deferred taxes of a change in tax rates is recognized&#13;
  in income in the period that includes the enactment date.&#13;
  Realization of deferred tax assets is dependent upon the&#13;
  generation of future taxable income.&amp;nbsp;&amp;nbsp;A valuation&#13;
  allowance is provided when it is more likely than not that some&#13;
  portion of the deferred tax asset will not be realized.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  Company follows FASB Accounting Standards Codification and the&#13;
  Hierarchy of Generally Accepted Accounting Principles with&#13;
  respect to accounting for income taxes.&amp;nbsp;&amp;nbsp;A tax position&#13;
  is recognized as a benefit only if it is &amp;#147;more likely than&#13;
  not&amp;#148; that the tax position would be sustained in a tax&#13;
  examination, with a tax examination being presumed to&#13;
  occur.&amp;nbsp;&amp;nbsp;The amount recognized is the largest amount of&#13;
  tax benefit that is greater than 50% likely of being realized on&#13;
  examination.&amp;nbsp;&amp;nbsp;For tax positions not meeting the&#13;
  &amp;#147;more likely than not&amp;#148; test, no tax benefit is&#13;
  recorded.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  Company recognizes interest and/or penalties related to income&#13;
  tax matters in income tax expense.&amp;nbsp;&amp;nbsp;The Company and its&#13;
  subsidiaries are subject to U.S. federal income tax as well as&#13;
  income tax of the state of New York. The Company is no longer&#13;
  subject to examination by taxing authorities for years before&#13;
  2008.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Federal&#13;
  Reserve Bank&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;As&#13;
  a member of the Federal Reserve Bank (&amp;#147;FRB&amp;#148;) system,&#13;
  the Bank is required to maintain a minimum investment in FRB&#13;
  stock.&amp;nbsp;&amp;nbsp;Any excess may be redeemed by the Bank or&#13;
  called by the FRB at par.&amp;nbsp;&amp;nbsp;At its discretion, the FRB&#13;
  may declare dividends on this stock.&amp;nbsp;&amp;nbsp;The Bank had $427&#13;
  thousand and $392 thousand invested in FRB stock at December 31,&#13;
  2011 and December 31, 2010, respectively, which is carried at&#13;
  cost due to the fact that it is a restricted security.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Federal&#13;
  Home Loan Bank of New York&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  Bank is a member of the Federal Home Loan Bank of New York&#13;
  (&amp;#147;FHLB&amp;#148;).&amp;nbsp;&amp;nbsp;As a member the Bank was required&#13;
  to maintain FHLB capital stock, in the amount of $499 thousand&#13;
  and $558 thousand at December 31, 2011 and 2010,&#13;
  respectively.&amp;nbsp;&amp;nbsp;The amount is carried at cost because it&#13;
  is a restricted security.&amp;nbsp;&amp;nbsp;The FHLB may declare&#13;
  dividends on this stock at its discretion.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Comprehensive&#13;
  Income&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Comprehensive&#13;
  income represents the sum of the net income and items of&#13;
  &amp;#147;other comprehensive income&amp;#148; that are reported directly&#13;
  in stockholders&amp;#146; equity, such as the change during the&#13;
  period in the net unrealized gain or loss on securities available&#13;
  for sale.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Stock&#13;
  Options&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  Company has a stock-based compensation plan as more fully&#13;
  described in Note 10.&amp;nbsp;&amp;nbsp;For accounting purposes, the&#13;
  Bank recognizes expense for shares of common stock awarded under&#13;
  the Bank&amp;#146;s Stock Option Plan over the vesting period at the&#13;
  fair market value of the shares on the date they are&#13;
  awarded.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Net&#13;
  Income Per Common Share&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  Company reports both basic and diluted earnings per share&#13;
  (&amp;#147;EPS&amp;#148;).&amp;nbsp;&amp;nbsp;Basic EPS excludes dilution and is&#13;
  computed by dividing income available to common stockholders by&#13;
  the weighted-average number of common shares outstanding for the&#13;
  period.&amp;nbsp;&amp;nbsp;Diluted EPS reflects the potential dilution&#13;
  that could occur if securities or other contracts to issue common&#13;
  stock (such as stock warrants and options) were exercised or&#13;
  converted into common stock or resulted in the issuance of common&#13;
  stock that then shared in the earnings of the&#13;
  entity.&amp;nbsp;&amp;nbsp;Diluted EPS is computed by dividing income by&#13;
  the weighted-average number of shares outstanding for the period&#13;
  plus common-equivalent shares computed using the treasury stock&#13;
  method.&amp;nbsp;&amp;nbsp;None of the stock options were considered in&#13;
  computing diluted EPS because to do so would have been&#13;
  anti-dilutive.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
&amp;nbsp;&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;div align="center"&gt;&#13;
    &lt;table&#13;
    style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
     width="80%" cellspacing="0" cellpadding="0"&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="6"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Twelve&#13;
            Months Ended&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="6"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;December&#13;
            31,&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2011&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2010&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-DECORATION: underline"&gt;(in&#13;
            thousands, except per share data)&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="68%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Net&#13;
            income attributable to Common Shareholders&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;47&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;488&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td width="68%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Average&#13;
            number of Common Shares Outstanding-basic&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2,269,070&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2,079,207&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="68%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td width="68%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Average&#13;
            number of common shares outstanding-diluted&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2,269,070&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2,079,207&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="68%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Income&#13;
            per common share attributable &#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;to&#13;
            common shareholders:&lt;/font&gt;&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="68%"&#13;
        valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Basic&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;0.02&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;0.23&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="68%"&#13;
        valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Diluted&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;0.02&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="13%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;0.23&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
    &lt;/table&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="center"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Loss&#13;
  Contingencies&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Loss&#13;
  contingencies, including claims and legal actions arising in the&#13;
  ordinary course of business, are recorded as liabilities when the&#13;
  likelihood of loss is probable and an amount or range of loss can&#13;
  be reasonably estimated.&amp;nbsp;&amp;nbsp;Management does not believe&#13;
  there now are such matters that will have a material effect on&#13;
  the financial statements.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Fair&#13;
  Value of Financial Instruments&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Fair&#13;
  values of financial instruments are estimated using relevant&#13;
  market information and other assumptions, as more fully disclosed&#13;
  in a separate note.&amp;nbsp;&amp;nbsp;Fair value estimates involve&#13;
  uncertainties and matters of significant judgment regarding&#13;
  interest rates, credit risk, prepayments, and other factors,&#13;
  especially in the absence of broad markets for particular&#13;
  items.&amp;nbsp;&amp;nbsp;Changes in assumptions or in market conditions&#13;
  could significantly affect the estimates.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Transfers&#13;
  of Financial Assets&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Transfers&#13;
  of financial assets are accounted for as sales, when control over&#13;
  the assets has been relinquished.&amp;nbsp;&amp;nbsp;Control over&#13;
  transferred assets is deemed to be surrendered when the assets&#13;
  have been isolated from the Company, the transferee obtains the&#13;
  right (free of conditions that constrain it from taking advantage&#13;
  of that right) to pledge or exchange the transferred assets, and&#13;
  the Company does not maintain effective control over the&#13;
  transferred assets through an agreement to repurchase them before&#13;
  their maturity.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Real&#13;
  Estate Owned&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Real&#13;
  estate acquired through or instead of loan foreclosure is&#13;
  initially recorded at fair value less costs to sell when&#13;
  acquired, establishing a new cost basis.&amp;nbsp;&amp;nbsp;These assets&#13;
  are subsequently accounted for at lower of cost or fair value&#13;
  less estimated costs to sell. If fair value declines subsequent&#13;
  to foreclosure, a valuation allowance is recorded through&#13;
  expense.&amp;nbsp;&amp;nbsp;Operating costs after acquisition are&#13;
  expensed.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
    &lt;font style="DISPLAY: inline; FONT-WEIGHT: bold"&gt;Restrictions&#13;
    on Cash&lt;/font&gt;&#13;
  &lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Cash&#13;
  on hand or on deposit with the Federal Reserve Bank was required&#13;
  to meet regulatory reserve and clearing requirements.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
    &lt;font style="DISPLAY: inline; FONT-WEIGHT: bold"&gt;Operating&#13;
    Segments&lt;/font&gt;&#13;
  &lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;While&#13;
  the chief decision-makers monitor the revenue streams of the&#13;
  various products and services, operations are managed and&#13;
  financial performance is evaluated on a Company-wide&#13;
  basis.&amp;nbsp;&amp;nbsp;Accordingly, all of the financial service&#13;
  operations are considered by management to be aggregated in one&#13;
  reportable operating segment&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Reclassifications&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Some&#13;
  items in the prior year financial statements were reclassified to&#13;
  conform to the current presentation.&amp;nbsp;&amp;nbsp;Reclassifications&#13;
  had no effect on prior year net income or stockholders&amp;#146;&#13;
  equity.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Adoption&#13;
  of New Accounting Standards&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;In&#13;
  September 2011, the Financial Accounting Standards Board ("FASB")&#13;
  issued Accounting Standards Update No. 2011-8, &amp;#147;Intangibles&#13;
  &amp;#150; Goodwill and Other (Topic 350) Testing Goodwill for&#13;
  Impairment&amp;#148; (&amp;#147;ASU 2011-8&amp;#148;). ASU 2011-8 clarifies&#13;
  the guidance for goodwill impairment testing by allowing&#13;
  companies to first assess qualitative factors to determine&#13;
  whether it is necessary to perform the two-step quantitative&#13;
  goodwill impairment test. The company would not be required to&#13;
  calculate the fair value of a reporting unit unless the company&#13;
  determines, based on a qualitative assessment, that it is more&#13;
  likely than not that its fair value is less than its carrying&#13;
  amount. ASU 2011-8 includes a number of events and circumstances&#13;
  for companies to consider in conducting the qualitative&#13;
  assessment. ASU 2011-8 is effective for interim and annual&#13;
  reporting periods ending on or after December 15, 2011. Early&#13;
  adoption is permitted. Early adoption of AUS 2011-8 did not have&#13;
  a material impact on the Company.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;In&#13;
  April 2011, the Financial Accounting Standards Board ("FASB")&#13;
  issued Accounting Standards Update No. 2011-2, "A Creditor&amp;#146;s&#13;
  Determination of Whether a Restructuring Is a Troubled Debt&#13;
  Restructuring" ("ASU 2011-2").&amp;nbsp;&amp;nbsp;ASU 2011-2 clarifies&#13;
  the guidance for determining whether a loan restructuring&#13;
  constitutes a troubled debt restructuring ("TDR") outlined in&#13;
  Accounting Standards Codification ("ASC") No. 310-40,&#13;
  "Receivables&amp;#151;Troubled Debt Restructurings by Creditors," by&#13;
  providing additional guidance to a creditor in making the&#13;
  following required assessments needed to determine whether a&#13;
  restructuring is a TDR: (i) whether or not a concession has been&#13;
  granted in a debt restructuring; (ii) whether a temporary or&#13;
  permanent increase in the contractual interest rate precludes the&#13;
  restructuring from being a TDR; (iii) whether a restructuring&#13;
  results in an insignificant&amp;nbsp;&amp;nbsp;delay in payment; (iv)&#13;
  whether a borrower that is not currently in payment default is&#13;
  experiencing financial difficulties; and (v) whether a creditor&#13;
  can use the effective interest rate test outlined in&#13;
  debtor&amp;#146;s guidance on restructuring of payables (ASC Topic&#13;
  No. 470-60-55-10) when evaluating whether or not a restructuring&#13;
  constitutes a TDR.&amp;nbsp;&amp;nbsp;ASU 2011-2 is effective for interim&#13;
  periods beginning on or after June 15, 2011.&amp;nbsp;&amp;nbsp;Adoption&#13;
  of ASU 2011-2 did not have a material effect on the&#13;
  Company.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;In&#13;
  December 2011, the Financial Accounting Standards Board ("FASB")&#13;
  issued Accounting Standards Update No. 2011-12,&#13;
  &amp;#147;Comprehensive Income (Topic 220) Deferral of the Effective&#13;
  Date for Amendments to the Presentation of Reclassification of&#13;
  Items Out of Accumulated Other Comprehensive Income in Accounting&#13;
  Standards Update No. 2011-05&amp;#148;. In order to defer only those&#13;
  changes in Update 2011-05 that relate to the presentation of&#13;
  reclassification adjustments, the paragraphs in this Update&#13;
  supersede certain pending paragraphs in Update 2011-05. The&#13;
  amendments are being made to allow the Board time to redeliberate&#13;
  whether to present on the face of the financial statements the&#13;
  effects of reclassifications out of accumulated other&#13;
  comprehensive income on the components of net income and other&#13;
  comprehensive income for all periods presented. While the Board&#13;
  is considering the operational concerns about the presentation&#13;
  requirements for reclassification adjustments and the needs of&#13;
  financial statement users for additional information about&#13;
  reclassification adjustments, entities should continue to report&#13;
  reclassifications out of accumulated other comprehensive income&#13;
  consistent with the presentation requirements in effect before&#13;
  Update 2011-05.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;In&#13;
  June 2011, the Financial Accounting Standards Board ("FASB")&#13;
  issued Accounting Standards Update No.2011-5, &amp;#147;Comprehensive&#13;
  Income (Topic 220)&amp;#148; (&amp;#147;ASU 2011-5&amp;#148;). ASU 2011-5&#13;
  gives companies the option to present the total of comprehensive&#13;
  income, the components of net income, and the components of other&#13;
  comprehensive income either in a single continuous statement of&#13;
  comprehensive income or in two separate but consecutive&#13;
  statements. In both choices, the company is required to present&#13;
  each component of net income along with total net income, each&#13;
  component of other comprehensive income along with a total for&#13;
  other comprehensive income, and a total amount for comprehensive&#13;
  income. ASU 2011-5 eliminates the option to present the&#13;
  components of other comprehensive income as part of the statement&#13;
  of changes in stockholders' equity. The amendments in this&#13;
  guidance do not change the items that must be reported in other&#13;
  comprehensive income or when an item of other comprehensive&#13;
  income must be reclassified to net income. ASU 2011-5 is&#13;
  effective for fiscal years, and interim periods within those&#13;
  years, beginning after December 15, 2011. Adoption of AUS 2011-5&#13;
  is not anticipated to have a material impact on the&#13;
  Company.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
</us-gaap:SignificantAccountingPoliciesTextBlock>
  <us-gaap:AvailableForSaleSecuritiesTextBlock contextRef="d_2011-01-01_2011-12-31">&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;NOTE&#13;
  2 &amp;#150; INVESTMENT SECURITIES&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  following is a summary of the amortized cost, gross unrealized&#13;
  gains and losses, and estimated fair market value of investment&#13;
  securities available-for-sale at December 31, 2011 and December&#13;
  31, 2010.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;div align="left"&gt;&#13;
    &lt;table&#13;
    style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
     width="80%" cellspacing="0" cellpadding="0"&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="14"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;December&#13;
            31, 2011&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
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          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;18,128&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td width="44%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;U.S.&#13;
            Government Agencies&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
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          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;600&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
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          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;14&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
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          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
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          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;614&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="44%" valign="bottom"&#13;
        align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Trust&#13;
            Preferred Securities&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,300&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;78&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,378&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td&#13;
        style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt"&#13;
         width="44%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;19,738&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;382&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="11%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;20,120&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
    &lt;/table&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="left"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  following is a summary of the amortized cost and estimated fair&#13;
  market value of investment securities available-for-sale at&#13;
  December 31, 2011, with amounts shown by remaining term to&#13;
  contractual maturity.&amp;nbsp;&amp;nbsp;Securities not due at a single&#13;
  maturity date, primarily mortgaged-backed securities, are shown&#13;
  separately.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;div align="left"&gt;&#13;
    &lt;div align="left"&gt;&#13;
      &lt;table&#13;
      style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
       width="80%" cellspacing="0" cellpadding="0"&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="PADDING-BOTTOM: 2px; BORDER-TOP: #646464 0.75pt solid"&#13;
           valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; BORDER-TOP: #646464 0.75pt solid"&#13;
           valign="bottom" colspan="6"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;December&#13;
              31, 2011&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; BORDER-TOP: #646464 0.75pt solid"&#13;
           valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="6"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(in&#13;
              thousands)&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Amortized&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Fair&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Cost&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Value&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Available-for-Sale:&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td width="72%" valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Mortgaged-backed&#13;
              securities&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;16,877&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;17,449&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td width="72%" valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;U.S.&#13;
              Government Agencies and Trust Preferred&#13;
              Securities&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt"&#13;
          width="72%" valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Due&#13;
              less than one year&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt"&#13;
          width="72%" valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;One&#13;
              year to less than three years&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt"&#13;
          width="72%" valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Three&#13;
              years to less than five years&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt"&#13;
          width="72%" valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Five&#13;
              years to ten years&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="11%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;--&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td&#13;
          style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt"&#13;
           width="72%" valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;More&#13;
              than ten years&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="11%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,300&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="11%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,307&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td&#13;
          style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&#13;
           width="72%" valign="bottom"&gt;&#13;
            &lt;div&#13;
            style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="11%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;18,177&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="11%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;18,756&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
      &lt;/table&gt;&#13;
    &lt;/div&gt;&#13;
  &lt;/div&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  following tables summarize, for all securities in an unrealized&#13;
  loss position at December 31, 2011, the aggregate fair values and&#13;
  gross unrealized losses by the length of time those securities&#13;
  had been in a continuous loss position. There were no securities&#13;
  in an unrealized loss position at December 31, 2010.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;div align="left"&gt;&#13;
    &lt;table&#13;
    style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
     width="80%" cellspacing="0" cellpadding="0"&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"&#13;
        valign="bottom" colspan="22"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;December&#13;
          31, 2011&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&#13;
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            Than 12 Months&lt;/font&gt;&#13;
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          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;&amp;nbsp;&lt;/font&gt;&#13;
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        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
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          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;&amp;nbsp;&lt;/font&gt;&#13;
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          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;&amp;nbsp;&lt;/font&gt;&#13;
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          &lt;font&#13;
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        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="9%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="9%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="9%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;397&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="9%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(53&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td&#13;
        style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt"&#13;
         width="28%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
            temporarily impaired&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="9%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;397&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="9%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(53&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="9%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="9%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="9%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;397&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="9%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(53&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
    &lt;/table&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="left"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  Company evaluates securities for other-than-temporary impairment&#13;
  at least on a quarterly basis, and more frequently when economic&#13;
  or market concerns warrant such&#13;
  evaluation.&amp;nbsp;&amp;nbsp;Consideration is given to the length of&#13;
  time and the extent to which the fair value has been less than&#13;
  cost, the financial condition and near term prospects of the&#13;
  issuer, and whether management intends to sell or it is not more&#13;
  likely than not that management would be required to sell the&#13;
  securities prior to their anticipated recovery.&amp;nbsp;&amp;nbsp;In&#13;
  analyzing an issuer&amp;#146;s financial condition, the Company may&#13;
  consider whether the securities are issued by the federal&#13;
  government or its agencies, whether downgrades by bond rating&#13;
  agencies have occurred, and the results of reviews of the&#13;
  issuer&amp;#146;s financial condition.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Unrealized&#13;
  losses on trust preferred securities have not been recognized&#13;
  into income because the issuers bonds are of high credit quality&#13;
  (rated Baa3 or higher), management does not intend to sell and it&#13;
  is likely that management will not be required to sell the&#13;
  securities prior to their anticipated recovery, and the decline&#13;
  in fair value is largely due to changes in interest rates and&#13;
  other market conditions. The fair value is expected to recover as&#13;
  the securities approach maturity.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Sales&#13;
  of available for sale securities were as follows:&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;div align="left"&gt;&#13;
    &lt;table&#13;
    style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
     width="80%" cellspacing="0" cellpadding="0"&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2011&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2010&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: center" valign="bottom" colspan="6"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(In&#13;
          thousands)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="66%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Proceeds&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,337&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;7,837&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td width="66%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Gross&#13;
            gains&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;69&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;467&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="66%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Gross&#13;
            losses&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
    &lt;/table&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Securities&#13;
  pledged at year-end 2011 had an approximate carrying amount of&#13;
  $8.2 million and were pledged to secure borrowing facilities as&#13;
  well as certain municipal deposits. Pledged securities at&#13;
  December 31, 2010 had an approximate carrying amount of $12.9&#13;
  million.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
</us-gaap:AvailableForSaleSecuritiesTextBlock>
  <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock contextRef="d_2011-01-01_2011-12-31">&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;NOTE&#13;
  3 &amp;#150; LOANS&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  following is a summary of loans receivable at December 31, 2011&#13;
  and December 31, 2010.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;div align="left"&gt;&#13;
    &lt;table&#13;
    style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
     width="80%" cellspacing="0" cellpadding="0"&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="6"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;At&#13;
            December 31,&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2011&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2010&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="6"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(Dollars&#13;
            in thousands)&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-DECORATION: underline"&gt;&#13;
              &lt;font style="DISPLAY: inline"&gt;Real estate&#13;
              loans:&lt;/font&gt;&#13;
            &lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&#13;
        colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&#13;
        colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;One-to&#13;
            four-family&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;28,295&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;28,037&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Commercial&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Owner&#13;
            Occupied&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;20,632&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;20,039&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Non&#13;
            Owner Occupied&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;16,712&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
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      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td&#13;
        style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt"&#13;
         width="66%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Consumer&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;329&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;407&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
            other loans&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;37,072&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;35,767&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="66%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td width="66%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;127,011&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;122,683&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="66%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td width="66%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Less:&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Deferred&#13;
            loan costs (fees) net&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;524&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;542&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td&#13;
        style="PADDING-BOTTOM: 2px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt"&#13;
         width="66%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Allowance&#13;
            for loan losses&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(1,956&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(2,017&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="66%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="66%" valign="bottom"&#13;
        align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
            loans receivable, net&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;125,579&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;121,208&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
    &lt;/table&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;br /&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Risk&#13;
  characterisitics of the Company&amp;#146;s portfolio segments include&#13;
  the following:&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
  &lt;font style="FONT-STYLE: italic; DISPLAY: inline"&gt;Residential&#13;
  Real Estate Loans &amp;#150;&lt;/font&gt; Loans secured by residential real&#13;
  estate properties are offered by the Company. Repayment of such&#13;
  loans may be negatively impacted should the borrower default,&#13;
  should there be a significant decline in the value of the&#13;
  property securing the loan or should there be a decline in&#13;
  general economic conditions.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
  &lt;font style="FONT-STYLE: italic; DISPLAY: inline"&gt;Commercial Real&#13;
  Estate Loans &amp;#150;&lt;/font&gt; In underwriting commercial real estate&#13;
  loans, the Company evaluates both the prospective borrower&amp;#146;s&#13;
  ability to make timely payments on the loan and the value of the&#13;
  property securing the loan. Repayment of such loans may be&#13;
  negatively impacted should the borrower default or should there&#13;
  be a substantial decline in the value of the property securing&#13;
  the loan, or a decline in general economic conditions. Where the&#13;
  owner occupies the property, the Company also evaluates the&#13;
  business&amp;#146;s ability to repay the loan on a timely basis. In&#13;
  addition, the Company may require personal guarantees, lease&#13;
  assignments and/or the guarantee of the operating company when&#13;
  the property is owner occupied. These types of loans may involve&#13;
  greater risks than other types of lending, because payments on&#13;
  such loans are often dependent on the successful operation of the&#13;
  business involved, therefore, repayment of such loans may be&#13;
  negatively impacted by adverse changes in economic conditions&#13;
  affecting the borrowers&amp;#146; business.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
  &lt;font style="FONT-STYLE: italic; DISPLAY: inline"&gt;Multifamily&#13;
  Real Estate Loans -&lt;/font&gt; In underwriting multifamily real&#13;
  estate loans, the Company evaluates both the prospective&#13;
  borrower&amp;#146;s ability to make timely payments on the loan and&#13;
  the value of the property securing the loan. Repayment of such&#13;
  loans may be negatively impacted should the borrower default,&#13;
  should there be a significant decline in the value of the&#13;
  property securing the loan or should there be a decline in&#13;
  general economic conditions.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
  &lt;font style="FONT-STYLE: italic; DISPLAY: inline"&gt;Construction&#13;
  Loans &amp;#150;&lt;/font&gt; Construction loans are short-term loans&#13;
  (generally up to 18 months) secured by land for both residential&#13;
  and commercial development. The loans are generally made for&#13;
  acquisition and improvements. Funds are disbursed as phases of&#13;
  construction are completed. Most non-residential construction&#13;
  loans require preapproved permanent financing or pre-leasing by&#13;
  the Company or another bank providing the permanent financing.&#13;
  The Company funds construction of single family homes and&#13;
  commercial real estate, when no contract of sale exists, based&#13;
  upon the experience of the builder, the financial strength of the&#13;
  owner, the type and location of the property and other factors.&#13;
  Construction loans are generally personally guaranteed by the&#13;
  principal(s). Repayment of such loans may be negatively impacted&#13;
  by the builders&amp;#146; inability to complete construction, by a&#13;
  downturn in the new construction market, by a significant&#13;
  increase in interest rates or by a decline in general economic&#13;
  conditions.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
  &lt;font style="FONT-STYLE: italic; DISPLAY: inline"&gt;Home Equity&#13;
  Loans &amp;#150;&lt;/font&gt; Home equity loans secured by residential real&#13;
  estate properties are offered by the Company. Repayment of such&#13;
  loans may be negatively impacted should the borrower default,&#13;
  should there be a significant decline in the value of the&#13;
  property securing the loan or should there be a decline in&#13;
  general economic conditions.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
  &lt;font style="FONT-STYLE: italic; DISPLAY: inline"&gt;Commercial and&#13;
  Industrial Loans&lt;/font&gt; &amp;#150; The Company&amp;#146;s commercial and&#13;
  industrial loan portfolio consists primarily of commercial&#13;
  business loans and lines of credit to businesses and&#13;
  professionals. These loans are usually made to finance the&#13;
  purchase of inventory, new or used equipment or other short or&#13;
  long term working capital purposes.These loans are generally&#13;
  secured by corporate assets, often with real estate as secondary&#13;
  collateral, but are also offered on an unsecured basis. In&#13;
  granting this type of loan, the Company primarily looks to the&#13;
  borrower&amp;#146;s cash flow as the source of repayment with&#13;
  collateral and personal guarantees, where obtained, as a&#13;
  secondary source. Commercial loans are often larger and may&#13;
  involve greater risks than other types of loans offered by the&#13;
  Company. Payments on such loans are often dependent upon the&#13;
  successful operation of the underlying business involved and,&#13;
  therefore, repayment of such loansmay be negatively impacted by&#13;
  adverse changes in economic conditions, management&amp;#146;s&#13;
  inability to effectively manage the business, claims of others&#13;
  against the borrower&amp;#146;s assets which may take priority over&#13;
  the Company&amp;#146;s claims against assets, death or disability of&#13;
  the borrower or loss of market for the borrower&amp;#146;s products&#13;
  or services.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  following table presents loans individually evaluated for&#13;
  impairment by class of loans as of December 31, 2011 and December&#13;
  31, 2010.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;div align="left"&gt;&#13;
    &lt;table&#13;
    style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
     width="100%" cellspacing="0" cellpadding="0"&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="10"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;&#13;
              &lt;font style="DISPLAY: inline"&gt;December 31,2011&lt;/font&gt;&#13;
            &lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="10"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;&#13;
              &lt;font style="DISPLAY: inline"&gt;December 31,2010&lt;/font&gt;&#13;
            &lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Unpaid&#13;
            Principal Balance&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Recorded&#13;
            Investment&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Allowance&#13;
            For Loan Losses Allocated&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Unpaid&#13;
            Principal Balance&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Recorded&#13;
            Investment&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Allowance&#13;
            For Loan Losses Allocated&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="10"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(In&#13;
            thousands)&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="10"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(In&#13;
            thousands)&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;With&#13;
            no related allowance recorded:&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Real&#13;
            estate loans:&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-LEFT: 3%" width="34%" valign="bottom"&#13;
        align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;One-to&#13;
            four family&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
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          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td&#13;
        style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&#13;
         width="34%" valign="bottom"&gt;&#13;
          &lt;div&#13;
          style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
            other loans&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;148&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;96&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;63&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;138&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;138&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;42&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td width="34%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="34%" valign="bottom"&#13;
        align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
            loans&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,694&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,642&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;241&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;213&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;193&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="8%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;45&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
    &lt;/table&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="left"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="left"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  recorded investment in loans excludes accrued interest and&#13;
  deferred loan costs (fees) due to immateriality.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
&amp;nbsp;&lt;/div&gt;&#13;
&lt;div align="left"&gt;&#13;
  &lt;table&#13;
  style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
   width="80%" cellspacing="0" cellpadding="0" bgcolor="white"&gt;&#13;
    &lt;tr&gt;&#13;
      &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"&#13;
      valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td&#13;
      style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"&#13;
      valign="bottom" colspan="2"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2011&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
      valign="bottom" nowrap="nowrap"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"&#13;
      valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td&#13;
      style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"&#13;
      valign="bottom" colspan="2"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2010&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
      valign="bottom" nowrap="nowrap"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
    &lt;/tr&gt;&#13;
    &lt;tr bgcolor="#C0FFFF"&gt;&#13;
      &lt;td width="66%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Average&#13;
        of individually impaired loans during year&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;4,100&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
      nowrap="nowrap"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;4,799&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
      nowrap="nowrap"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
    &lt;/tr&gt;&#13;
    &lt;tr bgcolor="white"&gt;&#13;
      &lt;td width="66%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Interest&#13;
        income recognized during impairment&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
      nowrap="nowrap"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
      nowrap="nowrap"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
    &lt;/tr&gt;&#13;
    &lt;tr bgcolor="#C0FFFF"&gt;&#13;
      &lt;td width="66%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Cash-basis&#13;
        interest income recognized&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
      nowrap="nowrap"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
      &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
      nowrap="nowrap"&gt;&#13;
        &lt;font&#13;
        style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
      &lt;/td&gt;&#13;
    &lt;/tr&gt;&#13;
  &lt;/table&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="center"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
    following table presents the aging of the recorded investment&#13;
    in past due loans as of December 31, 2011 by class of&#13;
    loans:&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="left"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;div align="left"&gt;&#13;
      &lt;table&#13;
      style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
       width="100%" cellspacing="0" cellpadding="0"&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;30&#13;
              - 59 Days Past Due&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;60&#13;
              - 89 Days Past Due&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Loans&#13;
              Past Due Over 90 Days Still Accruing&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Non&#13;
              Accrual&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
              Past Due&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Loans&#13;
              Not Past Due&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="26"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(In&#13;
              thousands)&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Real&#13;
              estate loans:&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td style="PADDING-LEFT: 4%" width="23%" valign="bottom"&#13;
          align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;One-to&#13;
              four family&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;576&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;576&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;27,719&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;28,295&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td style="PADDING-LEFT: 4%" width="23%" valign="bottom"&#13;
          align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Commercial&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
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            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;329&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;329&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td&#13;
          style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&#13;
           width="23%" valign="bottom"&gt;&#13;
            &lt;div&#13;
            style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
              other loans&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;359&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;50&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;646&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,055&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;36,017&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;37,072&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="23%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="23%"&#13;
          valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
              loans&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2,558&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;50&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2,502&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;5,110&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;121,901&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;127,011&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
      &lt;/table&gt;&#13;
    &lt;/div&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="left"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
  &lt;div align="left"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="left"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
    following table presents the aging of the recorded investment&#13;
    in past due loans as of December 31, 2010 by class of&#13;
    loans:&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="left"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
  &lt;div align="left"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;div align="left"&gt;&#13;
      &lt;table&#13;
      style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
       width="100%" cellspacing="0" cellpadding="0"&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
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            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;505&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;781&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;34,986&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;35,767&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="23%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="23%"&#13;
          valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
              loans&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,955&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2,509&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;4,464&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;118,219&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;122,683&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
      &lt;/table&gt;&#13;
    &lt;/div&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="left"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;At&#13;
    year-end 2011, the Company had $5.2 million in interest only&#13;
    loans, excluding lines of credit and construction loans, and no&#13;
    loans with potential for negative amortization.&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
    Bank has extended credit to various directors, senior officers&#13;
    and their affiliates.&amp;nbsp;&amp;nbsp;Loans to related parties&#13;
    during 2011 were as follows:&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &amp;nbsp;&lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;div align="left"&gt;&#13;
      &lt;table&#13;
      style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
       width="80%" cellspacing="0" cellpadding="0"&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(In&#13;
              thousands)&lt;/font&gt;&#13;
            &lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td width="83%" valign="bottom"&gt;&#13;
            &lt;div align="justify"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Beginning&#13;
              balance at December 31, 2010&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="14%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;4,028&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td width="83%" valign="bottom"&gt;&#13;
            &lt;div align="justify"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;New&#13;
              loans&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="14%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;540&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="83%"&#13;
          valign="bottom"&gt;&#13;
            &lt;div align="justify"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Repayment&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="14%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&#13;
              &lt;font style="DISPLAY: inline"&gt;(592&lt;/font&gt;&#13;
            &lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td width="83%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="14%"&#13;
          valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td&#13;
          style="PADDING-BOTTOM: 4px; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt"&#13;
           width="83%" valign="bottom"&gt;&#13;
            &lt;div style="MARGIN-LEFT: 18pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;&#13;
                &lt;font&#13;
                style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Ending&#13;
                balance at December 31, 2011&lt;/font&gt;&#13;
              &lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;$&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="14%" valign="bottom"&gt;&#13;
            &lt;font&gt;3,976&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
      &lt;/table&gt;&#13;
    &lt;/div&gt;&#13;
    &lt;div align="left"&gt;&amp;nbsp;&lt;/div&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
    balance at December 31, 2011 includes unused commitments&#13;
    totaling $1.155 million.&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Credit&#13;
    Quality Indicators:&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
    Company categorizes loans into risk categories based on&#13;
    relevant information about the ability of borrowers to service&#13;
    their debt such as: current financial information, historical&#13;
    payment experience, credit documentation, public information,&#13;
    and current economic trends, among other&#13;
    factors.&amp;nbsp;&amp;nbsp;The Company analyzes loans individually by&#13;
    classifying the loans as to credit risk.&amp;nbsp;&amp;nbsp;This&#13;
    analysis includes all loans, regardless of the outstanding&#13;
    balance, and non-homogenous loans, such as commercial and&#13;
    commercial real estate loans.&amp;nbsp;&amp;nbsp;This analysis is&#13;
    performed on an ongoing basis and results are reviewed each&#13;
    month.&amp;nbsp;&amp;nbsp;The Company uses the following definitions&#13;
    for risk ratings:&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
    &lt;font style="DISPLAY: inline; FONT-WEIGHT: bold"&gt;Special&#13;
    Mention&lt;/font&gt;.&amp;nbsp;&amp;nbsp;Loans classified as special mention&#13;
    have a potential weakness that deserves managements close&#13;
    attention.&amp;nbsp;&amp;nbsp;If left uncorrected, these potential&#13;
    weaknesses may result in deterioration of the repayment&#13;
    prospects for the loan or of the institutions credit positions&#13;
    at some future date.&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-WEIGHT: bold"&gt;Substandard&lt;/font&gt;.&amp;nbsp;&amp;nbsp;Loans&#13;
    classified as substandard are inadequately protected by the&#13;
    current net worth and paying capacity of the obligor or of the&#13;
    collateral pledged, if any.&amp;nbsp;&amp;nbsp;Loans so classified have&#13;
    a well defined weakness or weaknesses that jeopardize the&#13;
    liquidation of the debt.&amp;nbsp;&amp;nbsp;They are characterized by&#13;
    the distinct possibility that the institution will sustain some&#13;
    loss if the deficiencies are not corrected.&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-WEIGHT: bold"&gt;Doubtful&lt;/font&gt;.&amp;nbsp;&amp;nbsp;Loans&#13;
    classified as doubtful have all the weaknesses inherent in&#13;
    those classified as substandard, with the added characteristic&#13;
    that the weaknesses make collection or liquidation in full, on&#13;
    the basis of currently existing facts, conditions, and values,&#13;
    highly questionable and improbable.&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Loans&#13;
    not meeting the criteria above that are analyzed individually&#13;
    as part of the above described process are considered to be&#13;
    pass rated loans.&amp;nbsp;&amp;nbsp;Loans listed as not rated are&#13;
    either consumer loans or are included in groups of homogeneous&#13;
    loans.&amp;nbsp;&amp;nbsp;As of December 31, 2011, and based on the&#13;
    most recent analysis performed, the risk category of loans by&#13;
    class of loans is as follows:&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;div align="left"&gt;&#13;
      &lt;table&#13;
      style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
       width="100%" cellspacing="0" cellpadding="0"&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Not&#13;
              Classified&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Special&#13;
              Mention&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Sub-&#13;
              standard&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Doubtful&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Loss&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
              Loans&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Real&#13;
              estate loans:&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td style="PADDING-LEFT: 4%" width="34%" valign="bottom"&#13;
          align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;One-to&#13;
              four family&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;27,828&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;467&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
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          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,017&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;37,072&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="34%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="34%"&#13;
          valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
              loans&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;115,609&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;5,561&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;5,841&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;127,011&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
      &lt;/table&gt;&#13;
    &lt;/div&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;As&#13;
    of December 31, 2010, the risk category of loans by class of&#13;
    loans is as follows:&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;div align="left"&gt;&#13;
      &lt;table&#13;
      style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
       width="100%" cellspacing="0" cellpadding="0"&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Not&#13;
              Classified&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Special&#13;
              Mention&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Sub-&#13;
              standard&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Doubtful&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Loss&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="BORDER-BOTTOM: black 2px solid"&#13;
          valign="bottom" colspan="2"&gt;&#13;
            &lt;div align="center"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
              Loans&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr&gt;&#13;
          &lt;td valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Real&#13;
              estate loans:&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td style="PADDING-LEFT: 4%" width="34%" valign="bottom"&#13;
          align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;One-to&#13;
              four family&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
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          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;407&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td&#13;
          style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&#13;
           width="34%" valign="bottom"&gt;&#13;
            &lt;div&#13;
            style="TEXT-ALIGN: left; LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
              other loans&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;34,165&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;382&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,220&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: right" width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;35,767&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
          nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="white"&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="34%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 2px" width="1%"&#13;
          valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
          width="8%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
        &lt;tr bgcolor="#C0FFFF"&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="34%"&#13;
          valign="bottom" align="left"&gt;&#13;
            &lt;div align="left"&#13;
            style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
              &lt;font&#13;
              style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
              loans&lt;/font&gt;&#13;
            &lt;/div&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;111,184&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;5,246&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;6,253&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td style="PADDING-BOTTOM: 4px" width="1%"&#13;
          valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
          width="1%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td&#13;
          style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
           width="8%" valign="bottom"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;122,683&lt;/font&gt;&#13;
          &lt;/td&gt;&#13;
          &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
          width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;/tr&gt;&#13;
      &lt;/table&gt;&#13;
    &lt;/div&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="left"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Troubled&#13;
    Debt Restructurings:&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;From&#13;
    time to time, the terms of certain loans, for which the&#13;
    borrower is experiencing financial difficulties, are modified&#13;
    as troubled debt restructurings.&amp;nbsp;&amp;nbsp;The modification of&#13;
    the terms of such loans include one or a combination of the&#13;
    following: a reduction of the stated interest rate of the loan;&#13;
    an extension of the maturity date at a stated rate of interest&#13;
    lower than the current market rate for new debt with similar&#13;
    risk; or a permanent reduction of the recorded investment in&#13;
    the loan.&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Troubled&#13;
    debt restructurings totaled $2.6 million as of December 31,&#13;
    2011 and 2010 and had allocated specific reserves of $72&#13;
    thousand and $0, respectively.&amp;nbsp;&amp;nbsp;The Company has no&#13;
    commitments to lend additional amounts to customers with&#13;
    outstanding loans that are classified as troubled debt&#13;
    restructurings.&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;There&#13;
    were no loans modified as troubled debt restructurings during&#13;
    the year ended December 31, 2011.&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;One&#13;
    commercial real estate loan noted above with a recorded&#13;
    investment of $1.03 million at December 31, 2011 and one home&#13;
    equity loan with a recorded investment of $83 thousand went&#13;
    into payment default during 2011 and are classified as&#13;
    non-accrual at year end 2011.&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div align="justify"&#13;
  style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
    &lt;font&#13;
    style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;A&#13;
    loan is considered to be in payment default once it is more&#13;
    than 30 days contractually past due under the modified terms.&#13;
    The two loans described above increased the allowance for loan&#13;
    losses by $72 thousand and resulted in charge-offs of $35&#13;
    thousand during the year ended December 31, 2011.&lt;/font&gt;&#13;
  &lt;/div&gt;&#13;
  &lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
    &lt;br /&gt;&#13;
  &lt;/div&gt;&#13;
&lt;/div&gt;&#13;
</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
  <us-gaap:AllowanceForCreditLossesTextBlock contextRef="d_2011-01-01_2011-12-31">&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;NOTE&#13;
  4 &amp;#150; ALLOWANCE FOR LOAN LOSSES&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;Activity&#13;
  in the allowance for loan losses is summarized as follows for the&#13;
  years ended December 31, 2011 and December 31, 2010.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;div align="left"&gt;&#13;
    &lt;table&#13;
    style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
     width="80%" cellspacing="0" cellpadding="0"&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td width="10%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="56%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="32%" valign="bottom" colspan="6"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Twelve&#13;
            Months Ended&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td width="10%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="56%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="32%" valign="bottom" colspan="6"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;December&#13;
            31,&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="10%"&#13;
        valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="56%"&#13;
        valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" width="15%"&#13;
        valign="bottom" colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;2011&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" width="15%"&#13;
        valign="bottom" colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;2010&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td width="10%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="56%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="32%" valign="bottom" colspan="6"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;(Dollars&#13;
            in thousands)&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td width="66%" valign="bottom" colspan="2" align="left"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="66%" valign="bottom" colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Balance&#13;
            at beginning of year&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        $&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2,017&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        $&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,824&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td width="19%" valign="bottom" colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Charge-offs&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;One-to-four&#13;
            family&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Commercial&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Owner&#13;
            Occupied&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Non&#13;
            Owner Occupied&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(180&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(214&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Multi-family&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;-&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Construction&#13;
            or development&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(235&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;(40&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;)&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-LEFT: 0pt; MARGIN-LEFT: 9pt" width="66%"&#13;
        valign="bottom" colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Home&#13;
            equity&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
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        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
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        &lt;td width="56%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Total&#13;
            recoveries&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;27&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="19%" valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="14%" valign="bottom"&gt;&#13;
        &amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="white"&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="66%" valign="bottom"&#13;
        colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Provision&#13;
            for losses&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;938&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"&#13;
        width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;614&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="66%" valign="bottom"&#13;
        colspan="2" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Balance&#13;
            at end of period&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;$&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;1,956&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 4px" width="1%" valign="bottom"&#13;
        align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"&#13;
        width="1%" valign="bottom"&gt;$&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td&#13;
        style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"&#13;
        width="14%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;2,017&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"&#13;
        width="1%" valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
    &lt;/table&gt;&#13;
  &lt;/div&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&amp;nbsp;&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&amp;nbsp;&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;font&#13;
  style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The&#13;
  following table presents the balance in the allowance for loan&#13;
  losses by portfolio segment as of December 31, 2011.&lt;/font&gt;&#13;
&lt;/div&gt;&#13;
&lt;div style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block"&gt;&#13;
  &lt;br /&gt;&#13;
&lt;/div&gt;&#13;
&lt;div align="justify"&#13;
style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
  &lt;div align="left"&gt;&#13;
    &lt;table&#13;
    style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"&#13;
     width="100%" cellspacing="0" cellpadding="0"&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="34"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;For&#13;
            the Twelve Months Ended December 31, 2011&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="34"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;(in&#13;
            thousands)&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;One-to-Four&#13;
            Family&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="3"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Commercial&#13;
            Real Estate&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Multifamily&#13;
            Real Estate&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Construction&#13;
            or Development&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="3"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Home&#13;
            Equity&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Commercial&#13;
            Business&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Consumer&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Unallocated&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="PADDING-BOTTOM: 2px" valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="BORDER-BOTTOM: black 2px solid" valign="bottom"&#13;
        colspan="2"&gt;&#13;
          &lt;div align="center"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"&gt;Total&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"&#13;
        valign="bottom" nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td valign="bottom" colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
      &lt;/tr&gt;&#13;
      &lt;tr bgcolor="#C0FFFF"&gt;&#13;
        &lt;td width="10%" valign="bottom" align="left"&gt;&#13;
          &lt;div align="left"&#13;
          style="LINE-HEIGHT: 1.25; TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"&gt;&#13;
            &lt;font&#13;
            style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;Beginning&#13;
            Balance&lt;/font&gt;&#13;
          &lt;/div&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: right" width="7%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;115&lt;/font&gt;&#13;
        &lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&#13;
        nowrap="nowrap"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td width="1%" valign="bottom" align="right"&gt;&amp;nbsp;&lt;/td&gt;&#13;
        &lt;td style="TEXT-ALIGN: left" width="1%" valign="bottom"&gt;&#13;
          &lt;font&#13;
          style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"&gt;$&lt;/font&gt;&#13;
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