(000’s), except ratios and percent data

Three months ending

June 30, 2009

June 30, 2008

Change

Selected consolidated data :

Interest income

$

12,711

$

12,472

1.92

%

Interest expense

4,274

4,815

-11.24

%

Net interest income

8,437

7,657

10.19

%

Provision for loan losses

278

135

105.93

%

Trust income

261

319

-18.18

%

Other noninterest income

1,911

1,908

0.16

%

Salary and benefits

2,794

2,746

1.75

%

Occupancy expense

425

435

-2.30

%

Amortization of intangibles

273

279

-2.15

%

Other noninterest expense

2,688

1,846

45.61

%

Income taxes

-794

-974

-18.48

%

Net income

$

3,357

$

3,469

-3.23

%

Basic net income per share

$

0.48

$

0.50

$0.02

Daily averages:

Gross loans

$

578,239

$

529,653

9.17

%

Loans, net

570,964

523,336

9.10

%

Total securities

303,753

290,593

4.53

%

Total deposits

858,977

786,698

9.19

%

Other borrowings

50

61

-18.03

%

Stockholders’ equity

114,981

108,891

5.59

%

Cash and due from

12,135

13,008

-6.71

%

Interest-earning assets

922,876

844,591

9.27

%

Interest-bearing liabilities

745,704

670,099

11.28

%

Intangible assets

13,324

14,435

-7.70

%

Total assets

$

981,514

$

902,368

8.77

%

Financial ratios: Note (1)

Return on average assets

1.37

%

1.55

%

-0.18

%

Return on average equity

11.71

%

12.81

%

-1.10

%

Net interest margin

4.10

%

4.05

%

0.05

%

Efficiency ratio

53.21

%

49.26

%

3.95

%

Average equity to average assets

11.71

%

12.07

%

-0.35

%

Note (1) Ratio change measured in bp

Allowance for loan losses:

Beginning balance

$

6,118

$

5,228

17.02

%

Provision for losses

278

135

105.93

%

Charge-offs

-131

-130

0.77

%

Recoveries

19

34

-44.12

%

Ending balance

$

6,284

$

5,267

19.31

%

Year to Date

June 30, 2009

June 30, 2008

Change

Selected consolidated data :

Interest income

$

25,289

$

25,183

0.42

%

Interest expense

8,686

10,222

-15.03

%

Net interest income

16,603

14,961

10.98

%

Provision for loan losses

648

235

175.74

%

Trust income

537

622

-13.67

%

Other noninterest income

3,742

3,901

-4.08

%

Salary and benefits

5,625

5,603

0.39

%

Occupancy expense

894

891

0.34

%

Amortization of intangibles

551

562

-1.96

%

Other noninterest expense

4,740

3,707

27.87

%

Income taxes

-1,680

-1,836

-8.50

%

Net income

$

6,744

$

6,650

1.41

%

Basic net income per share

$

0.97

$

0.96

$

0.01

Fully diluted net income per share

$

0.97

$

0.96

$

0.01

Dividends per share

$

0.41

$

0.39

$

0.02

Dividend payout ratio

42.16

40.63

1.53

Book value per share

$

16.58

$

15.50

$

1.08

Balance sheet at period-end:

Gross loans

$

577,226

$

535,837

7.72

%

Loans, net

$

569,852

$

529,465

7.63

%

Total securities

306,283

289,315

5.86

%

Cash and due From

15,039

20,404

-26.29

%

Total deposits

861,862

781,113

10.34

%

Other borrowings

49

59

-16.95

%

Stockholders’ equity

114,979

107,354

7.10

%

Intangible assets

13,168

14,276

-7.76

%

Total assets

$

984,762

$

894,912

10.04

%

Daily averages:

Gross loans

$

576,253

$

527,366

9.27

%

Loans, net

569,087

521,064

9.22

%

Total securities

295,163

283,240

4.21

%

Total deposits

849,456

780,830

8.79

%

Other borrowings

52

61

-14.75

%

Stockholders’ equity

114,050

107,963

5.64

%

Cash and due from

11,798

12,877

-8.38

%

Interest-earning assets

912,589

839,198

8.75

%

Interest-bearing liabilities

738,374

668,344

10.48

%

Intangible assets

13,462

14,576

-7.64

%

Total assets

$

971,224

$

895,701

8.43

%

Financial ratios: Note (1)

Return on average assets

1.40

%

1.49

%

-0.09

%

Return on average equity

11.92

%

12.39

%

-0.47

%

Net interest margin

4.09

%

4.00

%

0.09

%

Efficiency ratio

51.83

%

50.81

%

1.02

%

Average equity to average assets

11.74

%

12.05

%

-0.31

%

Note (1) Ratio change measured in bp

Allowance for loan losses:

Beginning balance

$

5,858

$

5,219

12.24

%

Provision for losses

648

235

175.74

%