We are pleased with the Bank's results for the first half of...

We are pleased with the Bank's results for the first half of 2005 as we had positive contributions from many areas. Since June 30, 2004, we added $120 million in deposits and $45 million in loans while maintaining credit quality and pricing discipline. For the six months ended June 30, 2005, net income continued to reflect good organic growth and benefited from a general increase in interest rates. In the first quarter of 2005, the bank raised its per-share dividend 5.89% from $17 per-share to $18 per share. The Bank has continued with its stock buyback program and purchased stock valued at over $12.2 million during the six month period ended June 30, 2005.