Statement of Condition:

Assets:	($ 000)
Cash and Due From Banks	$16,093
Investment Securities	$75,881
Real Estate Mortgage Loans	$268,374
Other Loans	$8,908
Other Assets	$32,017
Total Assets:	$401,273

Liabilities and Net Worth Accounts:
Money Market Management Accounts	$5,873
Saving Deposits	$81,742
Time Deposits	$78,087
Checking Accounts, NOW Accounts, and Other Demand Deposits	$55,987
Due to Federal Home Loan Bank	$104,640
Other Liabilities	$15,742
Net Worth	$59,202
Total Liabilities and Net Worth Accounts:	$401,273

Statement of Income and Changes in Net Worth:

Current Operating Income:
Interest on Mortgage and Other loans	$16,601
Interest and Dividends on Securities	$2,953
Other Interest and Dividends	$411
Miscellaneous Income	$6,136
Total Current Operating Income:	$26,101

Current Operating Expense:
Salaries and Benefits	$7,127
Occupancy Costs	$1,923
Other Expenses	$5,800
Total Current Operating Expense:	$14,850

Net Income for Period:
Net Current Operating Income before Taxes and Interest	$11,251
Franchise and Income Taxes	$1,583
Interest Paid	$5,448
Total Net Income for Period:	$4,220

Reconciliation of Net Worth:

Net Worth:
Net Worth as of 12/31/08	$53,259
Net Additions to Net Worth	$4,220
Other Comprehensive Income	$1,723
Total Net Worth:	$59,202