The following tables summarize the book value and estimated fair value of financial instruments for the periods indicated:

				Fair Value of Financial Instruments Using
December 31, 2013 (in thousands)	Carrying Amount			Quoted Prices in Active Markets for Identical Assets (Level 1)			Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)			Total Estimated Fair Value
Assets:
Cash and Cash Equivalents	$	83,677		$	83,677		$	-		$	-		$	83,677

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		28,436			23,394			5,042			-			28,436
Mortgage Backed Securities		324,929			-			324,929			-			324,929
Corporate Securities		49,380			8,191			41,189			-			49,380
Other		1,894			1,584			310			-			1,894
Total Investment Securities Available-for-Sale		404,639			33,169			371,470			-			404,639

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		65,685			-			51,563			14,307			65,870
Mortgage Backed Securities		45			-			45			-			45
Other		2,775			-			2,775			-			2,775
Total Investment Securities Held-to-Maturity		68,505			-			54,383			14,307			68,690

FHLB Stock		7,187			N/	A		N/	A		N/	A		N/	A
Loans & Leases, Net of Deferred Fees & Allowance:
Commercial Real Estate		402,336			-			-			403,790			403,790
Agricultural Real Estate		324,688			-			-			328,704			328,704
Real Estate Construction		40,438			-			-			40,800			40,800
Residential 1st Mortgages		150,184			-			-			153,352			153,352
Home Equity Lines and Loans		32,710			-			-			35,250			35,250
Agricultural		244,209			-			-			242,950			242,950
Commercial		144,701			-			-			145,131			145,131
Consumer & Other		4,876			-			-			4,912			4,912
Leases		12,094			-			-			11,851			11,851
Unallocated Allowance		(2,274	)		-			-			(2,274	)		(2,274	)
Total Loans & Leases, Net of Deferred Fees & Allowance		1,353,962			-			-			1,364,466			1,364,466
Accrued Interest Receivable		6,941			-			6,941			-			6,941

Liabilities:
Deposits:
Demand		495,963			495,963			-			-			495,963
Interest Bearing Transaction		291,795			291,795			-			-			291,795
Savings and Money Market		589,511			589,511			-			-			589,511
Time		430,422			-			430,752			-			430,752
Total Deposits		1,807,691			1,377,269			430,752			-			1,808,021
Subordinated Debentures		10,310			-			6,224			-			6,224
Accrued Interest Payable		352			-			352			-			352

				Fair Value of Financial Instruments Using
December 31, 2012 (in thousands)	Carrying Amount			Quoted Prices in Active Markets for Identical Assets (Level 1)			Other Observable Inputs (Level 2)			Significant Unobservable Inputs (Level 3)			Total Estimated Fair Value
Assets:
Cash and Cash Equivalents	$	129,426		$	129,426		$	-		$	-		$	129,426

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		26,823			21,731			5,092			-			26,823
Obligations of States and Political Subdivisions		5,665			-			-			5,665			5,665
Mortgage Backed Securities		352,772			-			352,772			-			352,772
Corporate Securities		22,558			4,020			18,538			-			22,558
Other		10,173			9,863			310			-			10,173
Total Investment Securities Available-for-Sale		417,991			35,614			376,712			5,665			417,991

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		65,694			-			60,177			7,810			67,987
Mortgage Backed Securities		484			-			496			-			496
Other		2,214			-			2,214			-			2,214
Total Investment Securities Held-to-Maturity		68,392			-			62,887			7,810			70,697

FHLB Stock		7,368			N/	A		N/	A		N/	A		N/	A
Loans, Net of Deferred Loan Fees & Allowance:
Commercial Real Estate		344,084			-			-			349,524			349,524
Agricultural Real Estate		309,115			-			-			316,302			316,302
Real Estate Construction		31,694			-			-			32,024			32,024
Residential 1st Mortgages		139,038			-			-			144,203			144,203
Home Equity Lines and Loans		38,807			-			-			41,419			41,419
Agricultural		210,595			-			-			209,578			209,578
Commercial		135,330			-			-			134,647			134,647
Consumer & Other		4,876			-			-			4,847			4,847
Unallocated Allowance		(854	)		-			-			(854	)		(854	)
Total Loans, Net of Deferred Loan Fees & Allowance		1,212,685			-			-			1,231,690			1,231,690
Accrued Interest Receivable		6,389			-			-			6,389			6,389

Liabilities:
Deposits:
Demand		462,251			462,251			-			-			462,251
Interest Bearing Transaction		259,141			259,141			-			-			259,141
Savings and Money Market		541,526			541,526			-			-			541,526
Time		459,108			-			459,993			-			459,993
Total Deposits		1,722,026			1,262,918			459,993			-			1,722,911
Subordinated Debentures		10,310			-			5,750			-			5,750
Accrued Interest Payable		498			-			498			-			498