NOTE 23 - QUARTERLY FINANCIAL DATA (UNAUDITED)

							Earnings Per Share
	Interest Income		Net Interest Income		Net Income		Basic		Diluted
2016
First Quarter	$	14,210	$	13,055	$	2,979	$	0.29	$	0.29
Second Quarter		14,666		13,491		2,624		0.25		0.25
Third Quarter		14,865		13,716		3,164		0.30		0.30
Fourth Quarter		14,600		13,436		3,407		0.32		0.32

2015
First Quarter	$	13,013	$	11,964	$	3,142	$	0.35	$	0.33
Second Quarter		12,955		11,923		3,127		0.35		0.34
Third Quarter		13,782		12,783		3,325		0.37		0.37
Fourth Quarter		12,661		11,710		2,852		0.32		0.31

In 2016, interest income increased steadily each quarter largely due increase increases in loans outstanding. Interest income in the fourth quarter of 2016 was lower than previous quarters largely due to the reversal of accrued interest on loans placed on non-accrual status during the quarter. The increases and decrease in interest income resulted in similar increases and decrease in net interest income in 2016. Also contributing to an overall increase in interest income and net interest income, when compared to the quarterly income amounts in 2015, was the acquisition of the Bankshares on January 15, 2016. The interest income from the loans and investments and interest expense on deposits and borrowings of Bankshares are included in the quarterly financial results beginning in the first quarter of 2016. The increase in net interest income did not carry all the way through to increases in quarterly net income until the third quarter 2016 largely due to professional fees and conversion expenses related to the acquisition of Bankshares incurred during the first two quarters of 2016 and an additional provision for loan losses in the second quarter of 2016 related to potential losses from flooding experienced in areas of the Company's West Virginia markets. Earnings per share amounts were lower in 2016 due to the additional shares issued to acquire Bankshares.

In 2015, interest income varied per quarter due to a random pattern of borrowers repaying commercial loans in full. Some of the loans paid off in full were either discounted at the time of their acquisition or were on the cost recovery method. These loans, when paid in full, resulted in an increase in interest income as the purchase discount or any historical non-accrual interest paid was recognized immediately in income, particularly illustrated by the increase in interest income in the third quarter of 2015. Also contributing to a decrease in interest income was a decrease in loans outstanding, as well as a decrease in overall yield on the loan portfolio during the year. The fluctuations in interest income resulted in similar fluctuations in net interest income and net income in 2015. During 2015, net interest income was impacted in a positive way by interest expense savings from continually lower market interest rates related to time deposits and transaction-based deposits. Net income was lower in the fourth quarter of 2015, largely due the increased OREO expenses and writedowns.