EXHIBIT 99.3

MFB CORP. AND SUBSIDIARIES
Consolidated Condensed Balance Sheets
(In thousands)
	June 30,			September 30,
	2008			2007
	(Unaudited)
Assets
Cash	$	2,521		$	7,546
Interest-bearing demand deposits		14,067			15,924
Cash and cash equivalents		16,588			23,470
Investment securities available for sale		26,342			33,409
Loans held for sale		-			612
Loans		385,689			407,756
Allowance for loan losses		(4,874	)		(5,298	)
Net loans		380,815			402,458
Premises and equipment		19,127			18,506
Federal Home Loan Bank of Indianapolis stock, at cost		7,717			9,718
Cash surrender value of life insurance		10,943			10,565
Mortgage servicing rights, net		2,019			2,253
Other intangible asset		1,625			1,922
Goodwill		1,970			1,970
Other assets		8,999			5,565
Total assets	$	476,145		$	510,448
Liabilities
Deposits
Non-interest-bearing	$	28,013		$	39,043
Interest bearing		300,044			294,760
Total deposits		328,057			333,803
Federal Home Loan Bank advances		94,678			124,258
Other borrowings		5,224			5,540
Other liabilities		5,319			5,790
Total liabilities		433,278			469,391
Commitments and Contingent Liabilities
Stockholders' Equity
Common stock, 5,000,000 shares authorized;       shares issued: 1,689,417 - 6/30/08 and 9/30/07;       shares outstanding: 1,392,381 - 6/30/08 and       1,313,671 - 9/30/07		12,593			12,500
Retained earnings - substantially restricted		38,181			37,841
Accumulated other comprehensive loss		(703	)		(308	)
Treasury stock: 297,036 common shares - 6/30/08 and
375,746 common shares - 9/30/07, at cost		(7,204	)		(8,976	)
Total stockholders' equity		42,867			41,057
Total liabilities and stockholders' equity	$	476,145		$	510,448
See notes to consolidated condensed financial statements.

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MFB CORP. AND SUBSIDIARIES
Consolidated Condensed Statements of Income
(Unaudited)
(In thousands)
	Nine Months Ended
	June 30
	2008			2007
Interest Income
Loans receivable, including fees	$	19,373		$	19,463
Securities - taxable		1,344			2,043
Other interest-earning assets		372			255
Total interest income		21,089			21,761
Interest Expense
Deposits		7,288			7,662
Securities sold under agreements to repurchase		9			-
FHLB advances and other borrowings		4,311			4,266
Total interest expense		11,608			11,928
Net Interest Income		9,481			9,833
Provision for losses on loans		40			(1,654	)
Net Interest Income After Provision for Loan Losses		9,441			11,487
Other Income
Service charges on deposit accounts		2,347			2,417
Trust and brokerage fee income		1,460			414
Insurance commissions		32			21
Net realized gains from sales of loans		389			239
Mortgage servicing asset (impairment)		(238	)		9
Net gain (loss) on securities available for sale		(890	)		393
Earnings on life insurance		336			-
Other income		538			969
Total other income		3,974			4,462
Other Expenses
Salaries and employee benefits		6,748			6,151
Occupancy and equipment expenses		2,300			2,342
Professional and consulting fees		627			612
Data processing expense		534			625
Other expenses		2,391			2,495
Total other expenses		12,600			12,225
Income Before Income Tax		815			3,724
Income tax expense (benefit)		(141	)		949
Net Income	$	956		$	2,775
Basic earnings per share	$	0.70		$	2.10
Diluted earnings per share	$	0.69		$	2.03
Dividends per share	$	0.495		$	0.495
See notes to consolidated condensed financial statements.

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MFB CORP. AND SUBSIDIARIES
Consolidated Condensed Statement of Stockholders' Equity
(Unaudited)
	Nine Months Ended
	June 30,
	2008			2007
Balance at beginning of period	$	41,057		$	38,939
Stock based compensation expense		23			28
Purchase of treasury stock		(35	)		(575	)
Stock option exercise - issuance of treasury stock		1,975			163
Tax benefit related to employee stock plan		62			37
Cash dividends declared		(776	)		(653	)
Comprehensive income:
Net income		956			2,775
Other comprehensive income, net of tax		(395	)		277
Total comprehensive income		561			3,052
Balance at end of period	$	42,867		$	40,991
See notes to consolidated condensed financial statements.

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MFB CORP. AND SUBSIDIARIES
Consolidated Condensed Statements of Cash Flows
(Unaudited)
	Nine Months Ended
	June 30,
	2008			2007
Operating Activities
Net income	$	956			2775
Adjustments to reconcile net income to net cash from operating activities
Depreciation and amortization, net of accretion		930			1,014
Provision for loan losses		40			(1,654	)
Net realized gains from sales of loans		(389	)		(239	)
Other-than-temporary impairments on available for sale securities		1,042
Amortization of mortgage servicing rights		177			237
Amortization of intangible assets and purchase adjustments		403			291
Origination of loans held for sale		(21,691	)		(8,910	)
Expense of mortgage servicing rights		295			-
Proceeds from sales of loans held for sale		22,692			10,632
Stock based compensation expense		23			28
Net change in:
Accrued interest receivable		170			15
Other assets		(3,621	)		90
Accrued expenses and other liabilities		899			381
Cash value of life insurance		(378	)		(203	)
Net cash provided by operating activities		1,548			4,457
Cash flows from investing activities
Net change in loans receivable		21,265			(20,603	)
Stock repurchase by FHLB		2,001			446
Proceeds from maturities and paydowns available for sale securities		5,427			17,312
Purchase of premises and equipment, net		(1,551	)		(290	)
Purchase of life insurance		-			(37	)
Net cash provided by (used in) investing activities		27,142			(3,172	)
Cash flows from financing activities
Purchase of treasury stock		(35	)		(575	)
Net change in deposits		(6,903	)		(7,138	)
Proceeds from FHLB borrowings		34,832			102,755
Repayment of FHLB borrowings		(64,412	)		(88,851	)
Repayment of other borrowings		(316	)		-
Proceeds from exercise of stock options, including tax benefit		2,038			200
Cash dividends paid		(776	)		(653	)
Net cash provided by (used in) financing activities		(35,572	)		5,738
Net Change in Cash and Cash Equivalents		(6,882	)		7,023
Cash and Cash Equivalents, Beginning of Year		23,470			16,289
Cash and Cash Equivalents, End of Year	$	16,588		$	23,312
Additional Cash Flows Information
Interest paid	$	11,926		$	12,090
Income tax paid		489			1,132
Transfers from loans to foreclosed real estate		207			1,113
See notes to consolidated condensed financial statements.

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NOTE 1 - BASIS OF PRESENTATION AND ACCOUNTING POLICIES

Basis of Presentation: The accompanying unaudited consolidated financial statements were prepared in accordance with instructions for interim financial statements and, therefore, do not include all disclosures required by accounting principles generally accepted in the United States of America for a complete presentation of the financial  statements.  In the opinion of management, the consolidated financial statements contain all normal recurring adjustments necessary to present fairly the consolidated balance sheets of MFB Corp. and its subsidiary MFB Financial as of June 30, 2008 and September 30, 2007, and the consolidated statements of income, the condensed consolidated statements of changes in stockholders’ equity and the consolidated statements of cash flows for the nine months ended June 30, 2008 and 2007.  All significant intercompany transactions and balances are eliminated in consolidation.

Reclassifications: Certain items in the prior consolidated financial statements are reclassified to conform with the current presentation.

NOTE 2 - EARNINGS PER SHARE
Earnings per share were computed as follows: (Dollars and weighted average shares in thousands except per share data)
	Nine Months Ended Ended June 30,
	2008						2007
	Income		Weighted- Average Shares		Per-Share Amount		Income		Weighted- Average Shares		Per-Share Amount
	(000's)		(000's)				(000's)
Basic Earnings Per Share
Income available to common shareholders	$	956		1,363	$	0.70	$	2,775		1,319	$	2.10
Effect of Dilutive securities
Stock options				23						50
Diluted Earnings Per Share
Income available to common stockholders             and assumed conversions	$	956		1,386	$	0.69	$	2,775		1,369	$	2.03

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