1. Welcome! Thank You! 2008

2. Doug Hultquist

3. Net Income (Incl. M2) $2.2 million improvement in 2007

6. 14 basis point improvement in NIM % in 2007 Net Interest Margin (as a % of average assets)

7. In Thousands of Dollars $2.1 million improvement in 2007 Net Interest Income Dollars

8. Consolidated Net Interest Margin

10. Improvements in all three areas in 2007 Non-interest expense (as a % of average assets)

12. Improvements in SC & Other Fee areas in 2007 Non-interest income (as a % of average assets)

13. Non-Interest Expense/ Net Interest Income + Non-Interest Income 6 basis point improvement in 2007 Efficiency Ratio

14. Total Consolidated Assets

15. Consolidated Net Income

16. Consolidated Earnings per Common Share

17. Closing Stock Price

18. Book Value of Common Stock vs. Fair Market Value

20. Deposit Mix & Growth

21. Total Consolidated Deposits

22. 2008 The Year of the D E P O S I T

23. John Anderson

24. Polly wants Deposits! Polly wants REFERRALS!

25. Teller Appreciation Week

26. Brady Street

27. Five Points

28. Utica

29. Moline

30. Middle Road

31. The best people…. building the best relationships!

32. Mr. Louie Gravance