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In the face of significant challenges throughout 2005, we are proud to report another successful year with many new milestones. We achieved record highs in total assets, total loans and earnings.

We also fortified our staff with a number of key additions. The quality and commitment of our team has never been more evident than when we successfully implemented enhanced banking technology in September 2005. We thank our employees who made significant efforts to ensure a smooth transition.

"We'll go the extra mile for our customers -- first-class service, a kind word and a smile every day, guaranteed!"

Our Small Business Administration (SBA) lending activities continued to gain momentum, providing new and current customers with access to enhanced programs and terms that would not otherwise have been available. Within our market area, we were among the leaders in terms of SBA loan originations and total dollar amount.

We generated favorable results in our trust and investment services, which we introduced in 2004. Our customers appreciate the opportunity to expand their relationship with a trusted financial advisor. We anticipate continued growth in our bank's overall performance from the contribution of wealth management services.

The commitment of our staff and board members to the community has been a mainstay of our organization since its founding in 1988. We actively pursue new opportunities to help our community maintain its standing as a great place to live and work.

We look forward to the challenges of providing our community with the best in financial services as we continue to set new records.