Annual Report Condensed Statement of Condition

	In Thousands of Dollars
	Dec 31, 2009	Dec 31, 2008	Dec 31, 2007
Assets:
Cash and Due from Banks	$16,626	$8,670	$5,276
U.S. Government Securities	7,384	6,854	17,194
Obligations of State and Political Subdivisions	32,861	41,064	40,128
Other Securities	408	408	408
Federal Funds Sold and Securities Purchased under Agreement to Resell	45,800	7,800	14,200
Loans	129,422	149,076	146,773
Less Reserve for Loan Losses	4,275	4,273	4,259
Net Loans	125,147	144,803	142,514
Fixed Assets	763	926	452
Other Assets	5,223	4,089	4,427
TOTAL ASSETS	$234,212	$214,614	$224,599

Liabilities:
Demand Deposits	$34,465	$35,100	35,734
Time Deposits	145,838	121,388	130,124
Federal Funds Purchased and Securities Under Agreement to Repurchase	14,697	21,143	22,219
Interest-Bearing Demand Notes (Note Balances) Issued by U.S. Treasury	846	1,667	2,421
Other Liabilities	2,346	2,274	2,175
TOTAL LIABILITIES	$198,192	$181,572	$192,673

Capital Accounts:
Common Stock [($1500.00) Par Value]	$300	$300	$300
Surplus	12,200	12,200	12,200
Undivided Profits	22,842	20,228	19,215
Net Unrealized Holding Gains (Losses)	678	314	211
Total Capital Accounts	$36,020	$33,042	$31,926
Total Liabilities and Capital Accounts	$234,212	$214,614	$224,599

Income Statement:
Earning Asset Income	$9,481	$12,017	$13,971
Interest Expense	2,039	3,911	6,161
Net Interest Revenue	$7,442	$8,106	$7,810
Other Operating Revenue	2,609	966	902
Other Operating Expense (Net)	6,463	5,005	4,087
Income Before Taxes	$3,588	$4,067	$4,625
Net Income	$2,614	$3,013	$3,156

This statement has not been reviewed or confirmed for accuracy
or relevance by the Federal Deposit Insurance Corporation