(000’s), except ratios and percent data

Three months ending

June 30, 2008

June 30, 2007

Change

Selected Consolidated Data :

Interest income

$

12,472

$

12,695

-1.76

%

Interest expense

4,815

5,370

-10.34

%

Net interest income

7,657

7,325

4.53

%

Provision for loan losses

135

13

938.46

%

Trust income

319

360

-11.39

%

Other noninterest income

1,908

1,899

0.47

%

Salary and benefits

2,746

2,778

-1.15

%

Occupancy expense

435

412

5.58

%

Amortization of intangibles

279

285

-2.11

%

Other noninterest expense

1,846

2,029

-9.02

%

Income taxes

-974

-927

5.07

%

Net income

$

3,469

$

3,140

10.48

%

Basic net income per share

$

0.50

$

0.45

$

0.05

Daily averages:

Gross loans

$

529,653

$

509,826

3.89

%

Loans,net

523,336

503,706

3.90

%

Total securities

290,593

288,215

0.83

%

Total deposits

786,698

756,952

3.93

%

Other borrowings

61

2,235

-97.27

%

Stockholders’ equity

108,891

101,105

7.70

%

Cash and due from

13,008

14,213

-8.48

%

Interest-earning assets

844,591

806,828

4.68

%

Interest-bearing liabilities

670,099

648,844

3.28

%

Intangible assets

14,435

15,569

-7.28

%

Total assets

$

902,368

$

866,915

4.09

%

Financial ratios: Note (1)

Return on average assets

1.55

%

1.45

%

0.10

Return on average equity

12.81

%

12.46

%

0.35

Net interest margin

4.05

%

4.03

%

0.02

Average equity to average assets

12.07

%

11.66

%

0.40

Note (1) Ratio change measured in bp

Allowance for loan losses:

Beginning balance

$

5,228

$

5,045

3.63

%

Provision for losses

135

13

938.46

%

Charge-offs

-130

-89

46.07

%

Recoveries

34

31

9.68

%

Ending balance

$

5,267

$

5,000

5.34

%

Year to Date

June 30, 2008

June 30, 2007

Change

Selected Consolidated Data :

Interest income

$

25,183

$

25,225

-0.17

%

Interest expense