Statement of Condition
| ASSETS | |
| Cash and balances due from depository institutions | $47,965,000 |
| Held-to-maturity securities | 0 |
| Available-for-sale securities | 128,765,000 |
| Federal funds sold | 0 |
| Loans | 580,503,000 |
| Allowance for loan losses | (7,342,000) |
| Other assets | 34,224,000 |
| Total assets | $784,115,000 |
| LIABILITIES AND EQUITY CAPITAL |
|
| Deposits: | $674,485,000 |
| Noninterest bearing: 193,968,000 | |
| Interest-bearing: 480,517,000 | |
| Federal funds purchased | 0 |
| Securities sold under agreement to repurchase | 0 |
| FHLB borrowings | 25,000,000 |
| Other liabilities | 5,039,000 |
| Total liabilities | $704,524,000 |
| Common stock | 100,000 |
| Surplus | 1,784,000 |
| Undivided profits | 81,354,000 |
| Net unrealized holding gains (losses) on available-for-sale securities | (3,647,000) |
| Total equity capital | $79,591,000 |
| Total liabilities and equity capital | $784,115,000 |