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         STATEMENT OF EARNINGS- December 31, 2010
  1.  Interest Income: December-10
       a. Interest and Fee Income on Loans:
             (1)  Real Estate Loans....................................................................  $                 708
             (2)  Installment Loans.....................................................................  $                 269
             (3)  Credit Cards ………………………...............................................  $                     -
             (4)  Commercial Loans……………………………………......................  $                 630
       b.  Income from Lease Financing Receivables.........................................  $                     -
       c.  Interest Income on Balances Due from Depository Institutions.............  $                    5
       d.  Interest and Dividend Income on Securities........................................  $                 303
       e.  Interest Income from Federal Funds Sold …………………………...……  $                    1 
       f.   Total Interest Income (sums of items 1.a through 1.e).........................  $              1,916
  2. Interest Expense:
       a.  Interest on Deposits:
            (1)  Interest on Time Certificates of Deposit of $100,000 or more..........  $                   62
            (2)  Interest on Other Deposits..........................................................  $                 157
       b.  Expense of Federal Funds Purchased ……………………………...........  $                   11 
       c.  Interest on Demand Notes Issued on Other Borrowed Money...............  $                     -
       d.  Total Interest Expense (sums of items 2.a through 2.c).......................  $                 230
  3.  Net Interest Income (item 1.f minus 2.d)..................................................  $              1,686
  4.  Provisions:
       a.  Provision for Loan and Lease Losses.................................................  $                 178
  5.  Non-Interest Income:
       a. Service Charges on Deposit Accounts................................................  $                   56 
       b. Other Non-Interest Income.................................................................  $                 143
       c. Total Non-Interest Income (sums of items 5.a and 5.b).........................  $                 199
  6.  Gains (Losses) on Securities.................................................................  $                     -
  7.  Non-Interest Expense:
       a. Salaries and Employees Benefits.......................................................  $                 639
       b. Expenses of Premises and Fixed Assets …………………………..........  $                 116
       c. Other Non-Interest Expense...............................................................  $                 475
       d. Total Non-Interest Expense (sum of items 7.a through 7.c)...................  $              1,230
 12. Net income (Loss) ………………………………….....................................  $                 477
       Earnings per common share  $            681.43
* Amounts reported in 1000's