Year Ended December 31,
		2008				2007
		(Unaudited)				(Audited)
Total interest income		$	55,450			$	51,417
Total interest expense			20,474				25,872
Net interest income			34,976				25,545
Provision for loan losses			6,274				3,541
Net interest income after provision for loan losses			28,702				22,004
Total noninterest income			2,703				1,441
Salaries and employee benefits			10,552				9,308
Other			10,024				5,488
Total noninterest expenses			20,576				14,796
Income before taxes			10,829				8,649
Income taxes			3,824				3,152
Net income		$	7,005			$	5,497
Basic earnings per share		$	1.37			$	1.19
Fully diluted earnings per share		$	1.31			$	1.16
Average basic shares			5,114,194				4,631,047
Average fully diluted shares			5,340,885				4,721,864
		Three Months Ended December 31,
		2008				2007
		(Unaudited)				(Unaudited)
Total interest income		$	14,393			$	14,721
Total interest expense			5,075				7,414
Net interest income			9,318				7,307
Provision for loan losses			1,374				1,041
Net interest income after provision for loan losses			7,944				6,266
Total noninterest income			792				489
Salaries and employee benefits			2,642				2,811
Other			3,113				1,644
Total noninterest expenses			5,755				4,475
Income before taxes			2,981				2,300
Income taxes			1,022				851
Net income		$	1,959			$	1,449
Basic earnings per share		$	.38			$	.31
Fully diluted earnings per share		$	. 36			$	.30
Average basic shares			5,116,314				5,089,003
Average fully diluted shares			5,391,259				5,262,888