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 -Name Accounting Standards Codification



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 -Topic 942



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 -Name Accounting Standards Codification



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 -Section S99



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 -Publisher SEC



 -Name Regulation S-X (SX)



 -Number 210



 -Section 04



 -Paragraph 13



 -Article 9







Reference 2: http://www.xbrl.org/2003/role/presentationRef



 -Publisher FASB



 -Name Accounting Standards Codification



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 -Section S99



 -Paragraph 1



 -Subparagraph (SX 210.9-04.13 (d))



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 -Publisher FASB



 -Name Accounting Standards Codification



 -Topic 942



 -SubTopic 225



 -Section S99



 -Paragraph 1



 -Subparagraph (SX 210.9-04.13)



 -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882







</ElementReferences><IsTotalLabel>false</IsTotalLabel><UnitID>2</UnitID><Label>Earnings on cash surrender value - Bank owned life insurance</Label></Row><Row FlagID="0"><Id>22</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelSeparator>

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 -Publisher FASB



 -Name Statement of Financial Accounting Standard (FAS)



 -Number 115



 -Paragraph 16



 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.







Reference 2: http://www.xbrl.org/2003/role/presentationRef



 -Publisher FASB



 -Name Accounting Standards Codification



 -Topic 320



 -SubTopic 10



 -Section 50



 -Paragraph 9



 -Subparagraph (a)



 -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563







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 -Publisher SEC



 -Name Regulation S-X (SX)



 -Number 210



 -Section 04



 -Paragraph 13



 -Article 9







Reference 2: http://www.xbrl.org/2003/role/presentationRef



 -Publisher FASB



 -Name Accounting Standards Codification



 -Topic 942



 -SubTopic 225



 -Section S99



 -Paragraph 1



 -Subparagraph (SX 210.9-04.13 (d))



 -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882







</ElementReferences><IsTotalLabel>false</IsTotalLabel><UnitID>2</UnitID><Label>Merchant credit card service income, net</Label></Row><Row FlagID="0"><Id>24</Id><IsAbstractGroupTitle>false</IsAbstractGroupTitle><LabelSeparator>

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 -Publisher SEC



 -Name Regulation S-X (SX)



 -Number 210



 -Section 04



 -Paragraph 13



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Reference 2: http://www.xbrl.org/2003/role/presentationRef



 -Publisher FASB



 -Name Accounting Standards Codification



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 -Section S99



 -Paragraph 1



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Reference 14: http://www.xbrl.org/2003/role/presentationRef



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 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.







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