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  <div style="FONT-SIZE: 18pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">UNITED STATES</div>
  
  <div style="FONT-SIZE: 18pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">SECURITIES AND EXCHANGE COMMISSION</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">WASHINGTON, D.C. 20549</div>
  
  <div style="MARGIN-BOTTOM: 3pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 3pt">______________</div>
  
  <div style="FONT-SIZE: 18pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 12pt">FORM 8-K</div>
  
  <div style="MARGIN-BOTTOM: 3pt; FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 3pt">______________</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 12pt">CURRENT REPORT</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 16pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Pursuant to Section 13 or 15(d) o</font>f <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">the</font></div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Securities Exchange Act of 1934</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 10pt">Date of Report (Date of earliest event reported) November 1, 2016</div>
  
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  <div style="FONT-SIZE: 24pt; FONT-FAMILY: 'Times New Roman Bold', 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 8pt">Lakeland Financial Corporation</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">(Exact name of Registrant as specified in its charter)</div>
  
  <div style="MARGIN-BOTTOM: 3pt; TEXT-ALIGN: center; MARGIN-TOP: 3pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">______________</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Indiana</div>
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">0-11487</div>
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">35-1559596</div>
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">Of incorporation)</div>
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">Identification No.)</div>
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 12pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">202 East Center Street, P.O. Box 1387, Warsaw, Indiana 46581-1387</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
  </font> (Address of principal executive offices) (Zip Code)</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 12pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">(574) 267-6144</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif"><br>
  </font> (Registrant's telephone number, including area code)</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 16pt">Not Applicable</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">(Former name or former address, if changed since last report)</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-TOP: 8pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; MARGIN-TOP: 8pt; TEXT-INDENT: -36pt">[&#160; ]&#160; Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; MARGIN-TOP: 8pt; TEXT-INDENT: -36pt">[&#160; ]&#160; Solicitation material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; MARGIN-TOP: 8pt; TEXT-INDENT: -36pt">[&#160; ]&#160; Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR&#160; 240.14d-2(b)</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; MARGIN-TOP: 8pt; TEXT-INDENT: -36pt">[&#160; ]&#160; Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)</div>
  
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Item 7.01. Regulation FD Disclosure</div>
  
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">On November 1, 2016, Lakeland Financial Corporation (the "Company) reported that during the Company's review of third quarter results, it identified that cash held at the Federal Reserve Bank of Chicago was not included in total earning assets. Instead, the cash was reported in cash and due from banks in nonearning assets.&#160; The resulting understatement of earning assets had the effect of overstating the net interest margin for the second and third quarters of 2016, as well as the nine months ended September 30, 2016 as detailed in the Company's October 25, 2016 press release.</div>
  
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">The balance sheet and income statement of the Company are not impacted by this change.</div>
  
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">Net interest margin for the second and third quarters of 2016 was 3.19% and 3.08%, respectively. The year-to-date net interest margin for the nine months ended September 30, 2016 was 3.17%.&#160; The Company previously reported 3.24% and 3.20% for the second and third quarters of 2016, respectively, and year-to-date net interest margin of 3.22% for the nine months ended September 30, 2016.</div>
  
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">The average balance of interest earning cash that was reclassified from nonearning assets is $57.4 million and $127.0 million for the second and third quarters of 2016, respectively.&#160; The year-to-date 2016 average balance of interest earning cash that was reclassified from nonearning assets is $64.9 million. The net interest margin for the third quarter 2015 was not impacted by this change.</div>
  
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">The following table discloses the components of net interest margin for the quarters ended September 30, 2016, June 30, 2016 and September 30, 2015.</div>
  
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">LAKELAND FINANCIAL CORPORATION</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">AVERAGE BALANCE SHEET AND NET INTEREST ANALYSIS</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">(UNAUDITED)</div>
  
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">September 30, 2016</div>
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Earning Assets</div>
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  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Loans:</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;Taxable (2)(3)</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$3,233,394</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$31,538</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.88</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$3,180,783</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$30,918</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.91</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$2,910,663</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$27,981</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.81</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;Tax exempt (1)</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;11,600</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;164</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;5.62</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;11,763</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;164</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;5.62</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;12,496</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;170</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;5.40</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Investments: (1)</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;Available for sale</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;500,384</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3,747</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;2.98</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;488,762</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3,736</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.07</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;471,641</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3,269</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;2.75</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Short-term investments</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;6,885</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;4</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.23</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;5,805</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.21</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;5,836</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.07</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest bearing deposits</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;148,388</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;181</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.49</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;75,908</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;79</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.42</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;18,354</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;15</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.68</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total earning assets</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$3,900,651</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$35,634</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.63</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$3,763,021</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$34,900</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.73</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$3,418,990</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$31,436</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.65</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Less:&#160; Allowance for loan losses</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;(43,402)</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;(43,228)</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;(44,751)</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Nonearning Assets</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Cash and due from banks</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;122,811</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;109,744</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;108,441</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Premises and equipment</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;50,921</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;48,921</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;44,240</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Other nonearning assets</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;121,352</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;125,175</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;113,849</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total assets</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$4,152,333</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$4,003,633</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$3,640,769</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Interest Bearing Liabilities</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Savings deposits</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$270,136</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$103</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.15</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$263,331</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$115</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.18</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$234,360</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$115</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.19</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest bearing checking accounts</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1,261,390</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1,362</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.43</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1,309,443</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1,455</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.45</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1,221,190</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1,225</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.40</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Time deposits:</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;In denominations under $100,000</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;243,148</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;696</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1.14</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;249,452</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;719</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1.16</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;279,734</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;846</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1.20</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;In denominations over $100,000</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1,068,341</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;2,871</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1.07</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;937,470</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;2,405</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1.03</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;756,206</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;1,787</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.94</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Miscellaneous short-term borrowings</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;59,133</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;37</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.25</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;96,878</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;99</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.41</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;83,015</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;43</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.21</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Long-term borrowings and</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;&#160;subordinated debentures (4)</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;30,960</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;291</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.74</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;30,960</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;289</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.75</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;30,962</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;239</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.06</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total interest bearing liabilities</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$2,933,108</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$5,360</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.73</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$2,887,534</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$5,082</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.71</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$2,605,467</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$4,255</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.65</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Noninterest Bearing Liabilities</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Demand deposits</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;768,095</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;677,797</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;634,982</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Other liabilities</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;27,772</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;26,316</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;19,455</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Stockholders' Equity</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;423,358</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;411,986</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;380,865</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total liabilities and stockholders' equity</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$4,152,333</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$4,003,633</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$3,640,769</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
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  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Interest Margin Recap</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Interest income/average earning assets</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">35,634</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.63</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">34,900</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.73</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">31,436</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.65</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Interest expense/average earning assets</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">5,360</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.55</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">5,082</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.54</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,255</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; BACKGROUND-COLOR: #cceeff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;0.49</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; BACKGROUND-COLOR: #cceeff">&#160;</td>
  </tr>
  
  <tr>
  <td style="WIDTH: 24.27%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net interest income and margin</div>
  </td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$30,274</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.08</div>
  </td>
  <td style="WIDTH: 2.67%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.2%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.15%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$29,818</div>
  </td>
  <td style="WIDTH: 0.45%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.19</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  <td style="WIDTH: 1.53%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 8.42%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.31%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;$27,181</div>
  </td>
  <td style="WIDTH: 0.46%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">&#160;</td>
  <td style="WIDTH: 6.48%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;3.16</div>
  </td>
  <td style="WIDTH: 2.1%; VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: #ffffff">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">%</div>
  </td>
  </tr>
  </table>
  
  <div><br>
  </div>
  
  <table id="0e9b8300672345ae803d5debdb4871c7" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
  <tr>
  <td style="WIDTH: 4.44%; VERTICAL-ALIGN: top">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">(1)</div>
  </td>
  <td style="WIDTH: 95.56%; VERTICAL-ALIGN: top">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Tax exempt income was converted to a fully taxable equivalent basis at a 35 percent tax rate for 2016 and 2015. The tax equivalent rate for tax exempt loans and tax exempt securities acquired after January 1, 1983 included the Tax Equity and Fiscal Responsibility Act of 1982 ("TEFRA") adjustment applicable to nondeductible interest expenses.</div>
  </td>
  </tr>
  
  <tr>
  <td style="WIDTH: 4.44%; VERTICAL-ALIGN: top">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">(2)</div>
  </td>
  <td style="WIDTH: 95.56%; VERTICAL-ALIGN: top">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Loan fees, which are immaterial in relation to total taxable loan interest income for 2016 and 2015, are included as taxable loan interest income.</div>
  </td>
  </tr>
  
  <tr>
  <td style="WIDTH: 4.44%; VERTICAL-ALIGN: top">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">(3)</div>
  </td>
  <td style="WIDTH: 95.56%; VERTICAL-ALIGN: top">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Nonaccrual loans are included in the average balance of taxable loans.</div>
  </td>
  </tr>
  
  <tr>
  <td style="WIDTH: 4.44%; VERTICAL-ALIGN: top">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">(4)</div>
  </td>
  <td style="WIDTH: 95.56%; VERTICAL-ALIGN: top">
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: justify">Long-term borrowings and subordinated debentures interest expense was reduced by interest capitalized on construction in process for 2015.</div>
  </td>
  </tr>
  </table>
  
  <div><br>
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  <div><br>
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  <div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; CLEAR: both; MARGIN-TOP: 10pt">
  <div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
  <hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
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  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 16pt">SIGNATURES</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-TOP: 8pt; TEXT-INDENT: 36pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-TOP: 16pt">LAKELAND FINANCIAL CORPORATION</div>
  
  <div style="MARGIN-TOP: 16pt"><br>
  </div>
  
  <div style="TEXT-ALIGN: left; MARGIN-TOP: 8pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Dated:&#160; November 1, 2016</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 215.05pt; DISPLAY: inline-block">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">By:&#160; /s/Lisa M. O'Neill</font></div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-TOP: 8pt; TEXT-INDENT: 252pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Lisa M. O'Neill</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 252pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Executive Vice President</div>
  
  <div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 252pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; and Chief Financial Officer</div>
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metadata_filer: {"company-data": {"conformed-name": "LAKELAND FINANCIAL CORP", "cik": "0000721994", "assigned-sic": "6022", "irs-number": "351559596", "state-of-incorporation": "IN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-11487", "film-number": "161964481"}, "business-address": {"street1": "202 E CENTER ST", "street2": "P O BOX 1387", "city": "WARSAW", "state": "IN", "zip": "46581-1387", "phone": "5742676144"}, "mail-address": {"street1": "202 E CENTER ST", "street2": "PO BOX 1387", "city": "WARSAW", "state": "IN", "zip": "46581"}}
text: UNITED STATES
  SECURITIES AND EXCHANGE COMMISSION
  WASHINGTON, D.C. 20549
  ______________
  FORM 8-K
  ______________
  CURRENT REPORT
  Pursuant to Section 13 or 15(d) o
  f
  the
  Securities Exchange Act of 1934
  Date of Report (Date of earliest event reported) November 1, 2016
  ______________
  Lakeland Financial Corporation
  (Exact name of Registrant as specified in its charter)
  ______________
  Indiana
  0-11487
  35-1559596
  (State or other jurisdiction
  (Commission File Number)
  (IRS Employer
  Of incorporation)
  Identification No.)
  202 East Center Street, P.O. Box 1387, Warsaw, Indiana 46581-1387
  (Address of principal executive offices) (Zip Code)
  (574) 267-6144
  (Registrant's telephone number, including area code)
  Not Applicable
  (Former name or former address, if changed since last report)
  Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
  [  ]  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
  [  ]  Solicitation material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
  [  ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR  240.14d-2(b)
  [  ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)
  Item 7.01. Regulation FD Disclosure
  On November 1, 2016, Lakeland Financial Corporation (the "Company) reported that during the Company's review of third quarter results, it identified that cash held at the Federal Reserve Bank of Chicago was not included in total earning assets. Instead, the cash was reported in cash and due from banks in nonearning assets.  The resulting understatement of earning assets had the effect of overstating the net interest margin for the second and third quarters of 2016, as well as the nine months ended September 30, 2016 as detailed in the Company's October 25, 2016 press release.
  The balance sheet and income statement of the Company are not impacted by this change.
  Net interest margin for the second and third quarters of 2016 was 3.19% and 3.08%, respectively. The year-to-date net interest margin for the nine months ended September 30, 2016 was 3.17%.  The Company previously reported 3.24% and 3.20% for the second and third quarters of 2016, respectively, and year-to-date net interest margin of 3.22% for the nine months ended September 30, 2016.
  The average balance of interest earning cash that was reclassified from nonearning assets is $57.4 million and $127.0 million for the second and third quarters of 2016, respectively.  The year-to-date 2016 average balance of interest earning cash that was reclassified from nonearning assets is $64.9 million. The net interest margin for the third quarter 2015 was not impacted by this change.
  The following table discloses the components of net interest margin for the quarters ended September 30, 2016, June 30, 2016 and September 30, 2015.
  LAKELAND FINANCIAL CORPORATION
  AVERAGE BALANCE SHEET AND NET INTEREST ANALYSIS
  (UNAUDITED)
  Three Months Ended
  Three Months Ended
  Three Months Ended
  September 30, 2016
  June 30, 2016
  September 30, 2015
  Average
  Interest
  Yield (1)/
  Average
  Interest
  Yield (1)/
  Average
  Interest
  Yield (1)/
  (fully tax equivalent basis, dollars in thousands)
  Balance
  Income
  Rate
  Balance
  Income
  Rate
  Balance
  Income
  Rate
  Earning Assets
  Loans:
  Taxable (2)(3)
  $3,233,394
  $31,538
  3.88
  %
  $3,180,783
  $30,918
  3.91
  %
  $2,910,663
  $27,981
  3.81
  %
  Tax exempt (1)
  11,600
  164
  5.62
  11,763
  164
  5.62
  12,496
  170
  5.40
  Investments: (1)
  Available for sale
  500,384
  3,747
  2.98
  488,762
  3,736
  3.07
  471,641
  3,269
  2.75
  Short-term investments
  6,885
  4
  0.23
  5,805
  3
  0.21
  5,836
  1
  0.07
  Interest bearing deposits
  148,388
  181
  0.49
  75,908
  79
  0.42
  18,354
  15
  0.68
  Total earning assets
  $3,900,651
  $35,634
  3.63
  %
  $3,763,021
  $34,900
  3.73
  %
  $3,418,990
  $31,436
  3.65
  %
  Less:  Allowance for loan losses
  (43,402)
  (43,228)
  (44,751)
  Nonearning Assets
  Cash and due from banks
  122,811
  109,744
  108,441
  Premises and equipment
  50,921
  48,921
  44,240
  Other nonearning assets
  121,352
  125,175
  113,849
  Total assets
  $4,152,333
  $4,003,633
  $3,640,769
  Interest Bearing Liabilities
  Savings deposits
  $270,136
  $103
  0.15
  %
  $263,331
  $115
  0.18
  %
  $234,360
  $115
  0.19
  %
  Interest bearing checking accounts
  1,261,390
  1,362
  0.43
  1,309,443
  1,455
  0.45
  1,221,190
  1,225
  0.40
  Time deposits:
  In denominations under $100,000
  243,148
  696
  1.14
  249,452
  719
  1.16
  279,734
  846
  1.20
  In denominations over $100,000
  1,068,341
  2,871
  1.07
  937,470
  2,405
  1.03
  756,206
  1,787
  0.94
  Miscellaneous short-term borrowings
  59,133
  37
  0.25
  96,878
  99
  0.41
  83,015
  43
  0.21
  Long-term borrowings and
  subordinated debentures (4)
  30,960
  291
  3.74
  30,960
  289
  3.75
  30,962
  239
  3.06
  Total interest bearing liabilities
  $2,933,108
  $5,360
  0.73
  %
  $2,887,534
  $5,082
  0.71
  %
  $2,605,467
  $4,255
  0.65
  %
  Noninterest Bearing Liabilities
  Demand deposits
  768,095
  677,797
  634,982
  Other liabilities
  27,772
  26,316
  19,455
  Stockholders' Equity
  423,358
  411,986
  380,865
  Total liabilities and stockholders' equity
  $4,152,333
  $4,003,633
  $3,640,769
  Interest Margin Recap
  Interest income/average earning assets
  35,634
  3.63
  34,900
  3.73
  31,436
  3.65
  Interest expense/average earning assets
  5,360
  0.55
  5,082
  0.54
  4,255
  0.49
  Net interest income and margin
  $30,274
  3.08
  %
  $29,818
  3.19
  %
  $27,181
  3.16
  %
  (1)
  Tax exempt income was converted to a fully taxable equivalent basis at a 35 percent tax rate for 2016 and 2015. The tax equivalent rate for tax exempt loans and tax exempt securities acquired after January 1, 1983 included the Tax Equity and Fiscal Responsibility Act of 1982 ("TEFRA") adjustment applicable to nondeductible interest expenses.
  (2)
  Loan fees, which are immaterial in relation to total taxable loan interest income for 2016 and 2015, are included as taxable loan interest income.
  (3)
  Nonaccrual loans are included in the average balance of taxable loans.
  (4)
  Long-term borrowings and subordinated debentures interest expense was reduced by interest capitalized on construction in process for 2015.
  SIGNATURES
  Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
  LAKELAND FINANCIAL CORPORATION
  Dated:  November 1, 2016
  By:  /s/Lisa M. O'Neill
  Lisa M. O'Neill
  Executive Vice President
  and Chief Financial Officer