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              &lt;font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;&lt;font style="DISPLAY: inline; FONT-WEIGHT: bold"&gt;Use of

              Estimates&lt;/font&gt;&lt;/font&gt;

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      &lt;font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"&gt;The

      preparation of financial statements in conformity with GAAP

      requires management to make estimates and assumptions that

      affect the reported amounts of assets and liabilities, and

      disclosure of contingent assets and liabilities at the date

      of the financial statements, and reported amounts of revenue

      and expenses during the reporting period. Estimates that are

      particularly susceptible to change in the near term are used

      in connection with the determination of the allowance for

      loan losses (&amp;#8220;ALLL&amp;#8221;), the evaluation of goodwill

      for impairment, the evaluation of the need for a valuation

      allowance of the Company&amp;#8217;s deferred tax assets, the

      evaluation of other-than-temporary impairment

      (&amp;#8220;OTTI&amp;#8221;) on securities and the valuation of

      certain financial instruments. The current economic

      environment has increased the degree of uncertainty inherent

      in these material estimates.&amp;#160;&amp;#160;Actual results could

      differ from these estimates.&lt;/font&gt;

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 -Publisher FASB

 -Name Accounting Standards Codification

 -Topic 275

 -SubTopic 10

 -Section 50

 -Paragraph 9

 -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6143-108592



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

 -Publisher FASB

 -Name Accounting Standards Codification

 -Topic 275

 -SubTopic 10

 -Section 50

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 -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6132-108592



Reference 3: http://www.xbrl.org/2003/role/presentationRef

 -Publisher FASB

 -Name Accounting Standards Codification

 -Topic 275

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 -Section 50

 -Paragraph 4

 -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6061-108592



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