(000’s), except ratios and percent data
Three months ending	September 30, 2008			September 30, 2007			Change

Selected Consolidated Data :
Interest income	$	12,409		$	12,693			-2.24	%
Interest expense		4,195			5,442			-22.91	%
Net interest income		8,214			7,251			13.28	%
Provision for loan losses		280			119			135.29	%
Trust income		307			286			7.34	%
Other noninterest income		1,901			1,839			3.37	%
Salary and benefits		2,792			2,621			6.52	%
Occupancy expense		437			419			4.30	%
Amortization of intangibles		279			284			-1.76	%
Other noninterest expense		2,023			1,776			13.91	%
Income taxes		-996			-961			3.64	%
Net income	$	3,615		$	3,196			13.11	%
Basic net income per share	$	0.52		$	0.46		$	0.06

Daily averages:
Gross loans	$	540,911		$	510,811			5.89	%
Loans,net		534,504			504,725			5.90	%
Total securities		285,224			281,921			1.17	%
Total deposits		775,614			751,896			3.15	%
Other borrowings		1,004			134			649.25	%
Stockholders’ equity		108,974			100,527			8.40	%
Cash and due from		12,789			13,021			-1.78	%
Interest-earning assets		832,990			800,998			3.99	%
Interest-bearing liabilities		661,912			641,988			3.10	%
Intangible assets		14,158			15,286			-7.38	%
Total assets	$	892,260		$	859,736			3.78	%

Financial ratios: Note (1)
Return on average assets		1.61	%		1.47	%		0.14	%
Return on average equity		13.20	%		12.61	%		0.59	%
Net interest margin		4.34	%		3.98	%		0.36	%
Efficiency ratio		---			---			---
Average equity to average assets		12.21	%		11.69	%		0.52	%
Note (1) Ratio change measured in bp

Allowance for loan losses:
Beginning balance	$	5,267		$	5,000			5.34	%
Provision for losses		280			119			135.29	%
Charge-offs		-127			-94			35.11	%
Recoveries		15			18			-16.67	%
Ending balance	$	5,435		$	5,043			7.77	%


Year to Date		September 30, 2008			September 30, 2007			Change

Selected Consolidated Data :
Interest income	$	37,592		$	37,918			-0.86	%

Provision for losses		515			129		299.22	%
Charge-offs		-409			-319		28.21	%
Recoveries		110			76		44.74	%
Ending balance	$	5,435		$	5,043		7.77	%

Nonperforming assets:
Nonaccrual loans	$	2,003		$	1,208		65.81	%
Restructured loans		---			---		---
Total nonperforming loans Note (2)		2,003			1,208		65.81	%
Other real estate owned		1,037			192		440.10	%
Total nonperforming assets	$	3,040		$	1,400		117.14	%

Asset quality ratios: Note (3)
Nonperforming loans to total loans		0.37	%		0.23	%	---
Allowance for loan losses to total loans		0.99	%		0.98	%	---
Allowance for loan losses to nonperforming loans		271.34	%		417.47	%	---
Note (2) Loans 90 days past due or more not included
Note (3) Ratio change measured in bp

Interest expense		14,417			16,228			-11.16	%
Net interest income		23,175			21,690			6.85	%
Provision for loan losses		515			129			299.22	%
Trust income		929			1,019			-8.83	%
Other noninterest income		5,802			5,544			4.65	%
Salary and benefits		8,395			8,240			1.88	%
Occupancy expense		1,328			1,316			0.91	%
Amortization of intangibles		841			853			-1.41	%
Other noninterest expense		5,730			5,452			5.10	%
Income taxes		-2,832			-2,811			0.75	%
Net income		10,265			9,452			8.60	%
Basic net income per share	$	1.48		$	1.36		$	0.12
Fully diluted net income per share	$	1.48		$	1.36		$	0.12
Dividends per share		---			---			---
Dividend payout ratio		26.32	%		27.34	%		-1.02	%
Book value per share	$	15.80		$	14.77		$	1.03

Balance sheet at period-end:
Gross loans	$	547,952		$	515,350			6.33	%
Loans, net		541,404			509,203			6.32	%
Total securities		278,700			280,774			-0.74	%
Cash and due From		16,511			12,058			36.93	%
Total deposits		785,986			749,991			4.80	%
Other borrowings		56			66			-15.15	%
Stockholders’ equity		109,473			102,769			6.52	%
Intangible assets		13,997			15,123			-7.45	%
Total assets	$	902,283		$	859,915			4.93	%

Daily averages:
Gross loans	$	531,914		$	507,921			4.72	%
Loans,net		525,577			501,786			4.74	%
Total securities		283,902			284,675			-0.27	%
Total deposits		779,078			757,185			2.89	%
Other borrowings		379			814			-53.44	%
Stockholders’ equity		108,297			99,588			8.75	%
Cash and due from		12,848			13,971			-8.04	%
Interest-earning assets		837,109			804,839			4.01	%
Interest-bearing liabilities		666,185			650,181			2.46	%
Intangible assets		14,436			15,570			-7.28	%
Total assets	$	894,544		$	864,570			3.47	%

Financial ratios: Note (1)
Return on average assets		1.53	%		1.46	%		0.07	%
Return on average equity		12.66	%		12.69	%		-0.03	%
Net interest margin		4.11	%		3.99	%		0.12	%
Efficiency ratio		50.17	%		51.73	%		-1.56	%
Average equity to average assets		12.11	%		11.52	%		0.59	%
Note (1) Ratio change measured in bp

Allowance for loan losses:
Beginning balance	$	5,219		$	5,157			1.20	%