Having now served twelve years of the fifty five years the bank has been in existence, I find myself reflecting on all the changes that have occurred during that time frame.

In the last twelve years, the bank has grown by some $80 Million in total assets. The bank expanded from one location in a single market to eight locations in six markets. Around June of 2009 we opened our eighth location and are serving a new market area in Homer, La.

During this time, the economy and investment markets have experienced some drastic changes. Not the least of these would be the lowest interest rates in some forty years. During this time however, the bank has managed to provide a reasonable return on your investment, an increase in the value of your investment, both while protecting a more than adequate capital position.

Now we are facing not only challenges due to the economy but from the regulatory environment as well, as Congress addresses the most sweeping Financial Reform action in history. Community banks are not and have not been the problem. We continue the same conservative, customer oriented, "do what we know best" style of banking and will continue to do so.

As we seek to meet the challenges of a constantly changing banking environment, our commitment to ""people, places, and products" remains paramount. We believe "The way to keep an old customer is to treat him like a new customer."

When we say “COME ON HOME TO THE WAY BANKING SHOULD BE” there is a reason.

G. Kent Gibson, CEO