| 2007 2008 |
| ASSETS |
| Cash & Due From Banks ..$18,144,000 ..$13,320,000 |
| U.S. Government & State Obligations .. .$101,722,000 ..$110,310,000 |
| Other Securities ..0 0 |
| Federal Funds Sold .$1,005,000 ..$0 |
| Loans & Discounts .$302,681,000 $325,676,000 |
| Reserve for Loan Loss .($3,508,000) ($4,368,000) |
| Bank Premises $11,463,000 $12,240,000 |
| Other Assets .$25,054,000 ..$28,760,000 |
| TOTAL ASSETS ...$456,561,000 $485,938,000 |
| LIABILITIES |
| Demand Deposits .$60,212,000 ..$58,521,000 |
| Savings & Time Deposits ..$346,488,000 $370,336,000 |
| Federal Funds Purchased .0 ...$7,937,000 |
| Other Borrowed Money ..0 0 |
| Other Liabilities ...$6,166,000 ...$4,881,000 |
| CAPITAL ACCOUNTS |
| Common Stock ..$200,000 ...$200,000 |
| Surplus ...$15,650,000 .$15,650,000 |
| Undivided Profits .$27,656,000 ...$29,367,000 |
| Gain On Investment ..$189,000 ($954,000) |
| Total Capital Account ..$43,695,000 ...$44,263,000 |
| TOTAL LIABILITIES AND CAPITAL $456,561,000 .$485,938,000 |