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

				Fair Value of Financial Instruments Using
March 31, 2014 (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	$	173,727		$	173,727		$	-		$	-		$	173,727

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		18,426			13,399			5,027			-			18,426
Mortgage Backed Securities		329,730						329,730			-			329,730
Corporate Securities		49,352			7,966			41,386			-			49,352
Other		2,235			1,925			310			-			2,235
Total Investment Securities Available-for-Sale		399,743			23,290			376,453			-			399,743

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		62,890			-			49,348			13,996			63,344
Mortgage Backed Securities		4			-			4			-			4
Other		2,761			-			2,761			-			2,761
Total Investment Securities Held-to-Maturity		65,655			-			52,113			13,996			66,109

FHLB Stock		7,187			N/	A		N/	A		N/	A		N/	A
Loans & Leases, Net of Deferred Fees & Allowance:
Commercial Real Estate		396,439			-			-			397,090			397,090
Agricultural Real Estate		322,725			-			-			326,210			326,210
Real Estate Construction		54,674			-			-			55,040			55,040
Residential 1st Mortgages		154,994			-			-			157,714			157,714
Home Equity Lines and Loans		31,641			-			-			33,994			33,994
Agricultural		199,627			-			-			198,836			198,836
Commercial		149,376			-			-			149,450			149,450
Consumer & Other		4,550			-			-			4,599			4,599
Leases		17,247									17,080			17,080
Unallocated Allowance		(2,520	)		-			-			(2,520	)		(2,520	)
Total Loans & Leases, Net of Deferred Fees & Allowance		1,328,753			-			-			1,337,493			1,337,493
Accrued Interest Receivable		6,732			-			6,732			-			6,732

Liabilities:
Deposits:
Demand		489,786			489,786			-			-			489,786
Interest Bearing Transaction		287,174			287,174			-			-			287,174
Savings and Money Market		639,370			639,370			-			-			639,370
Time		424,284			-			424,568			-			424,568
Total Deposits		1,840,614			1,416,330			424,568			-			1,840,898
Subordinated Debentures		10,310			-			6,220			-			6,220
Accrued Interest Payable		345			-			345			-			345

				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
March 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	$	43,533		$	43,533		$	-		$	-		$	43,533

Investment Securities Available-for-Sale:
Government Agency & Government-Sponsored Entities		26,692			21,612			5,080			-			26,692
Obligations of States and Political Subdivisions		5,643			-			-			5,643			5,643
Mortgage Backed Securities		432,285						432,285			-			432,285
Corporate Securities		50,128			9,373			40,755			-			50,128
Other		825			515			310			-			825
Total Investment Securities Available-for-Sale		515,573			31,500			478,430			5,643			515,573

Investment Securities Held-to-Maturity:
Obligations of States and Political Subdivisions		65,165			-			59,757			7,282			67,039
Mortgage Backed Securities		341			-			349			-			349
Other		2,202			-			2,202			-			2,202
Total Investment Securities Held-to-Maturity		67,708			-			62,308			7,282			69,590

FHLB Stock		7,368			N/	A		N/	A		N/	A		N/	A
Loans, Net of Deferred Loan Fees & Allowance:
Commercial Real Estate		354,222			-			-			358,684			358,684
Agricultural Real Estate		315,028			-			-			321,212			321,212
Real Estate Construction		31,712			-			-			32,070			32,070
Residential 1st Mortgages		144,159			-			-			149,062			149,062
Home Equity Lines and Loans		36,932			-			-			39,477			39,477
Agricultural		172,313			-			-			171,562			171,562
Commercial		134,149			-			-			133,299			133,299
Consumer & Other		4,735			-			-			4,769			4,769
Unallocated Allowance		(810	)		-			-			(810	)		(810	)
Total Loans, Net of Deferred Loan Fees & Allowance		1,192,440			-			-			1,209,325			1,209,325
Accrued Interest Receivable		6,661			-			6,661			-			6,661

Liabilities:
Deposits:
Demand		417,341			417,341			-			-			417,341
Interest Bearing Transaction		257,171			257,171			-			-			257,171
Savings and Money Market		590,323			590,323			-			-			590,323
Time		450,331			-			451,084			-			451,084
Total Deposits		1,715,166			1,264,835			451,084			-			1,715,919
Subordinated Debentures		10,310			-			5,758			-			5,758
Accrued Interest Payable		427			-			427			-			427