Exhibit 99.3

UNIVERSAL BANCORP

Consolidated Balance Sheets

(In Thousands)

	December 31,			June 30,			December 31,
	2017			2017			2016
	(Unaudited)			(Audited)			(Unaudited)
Assets
Cash and due from banks	$	10,173		$	11,689		$	11,034
Federal funds sold		4,001			3,313			39
Total cash and cash equivalents		14,174			15,002			11,073
Interest-bearing balances in other financial
institutions		2,584			2,932			2,932
Securities available-for-sale		89,134			89,477			86,231
Loans held for sale		-			1,226			-
Loans		262,061			268,815			263,303
Less: Allowance for loan losses		(3,324	)		(3,406	)		(3,696	)
Loans, net		258,737			265,409			259,607
Federal Home Loan Bank stock		1,637			1,637			1,637
Bank owned life insurance		7,530			7,444			7,357
Premises, furniture and equipment		6,270			6,574			6,602
Accrued interest receivable		1,325			1,179			1,206
Goodwill		1,895			1,895			1,895
Other real estate owned		1,878			5,139			5,250
Other assets		4,236			4,599			5,607
Total assets	$	389,400		$	402,513		$	389,397
Liabilities and Shareholders' Equity
Liabilities
Noninterest-bearing deposits	$	92,286		$	89,155		$	85,388
Interest-bearing deposits		222,525			234,286			225,694
Total deposits		314,811			323,441			311,082
Federal Home Loan Bank advances		25,876			27,421			29,455
Other borrowings		5,000			7,595			8,110
Accrued interest payable		72			82			65
Other liabilities		419			521			352
Total liabilities		346,178			359,060			349,064
Shareholders' equity
Common stock, 100,000 shares
authorized and outstanding		100			100			100
Treasury stock - 24,004 shares		(3,596	)		(3,596	)		(3,596	)
Surplus		4,903			4,903			4,903
Undivided profits		42,051			41,529			39,832
Accumulated other comprehensive income (loss)		(236	)		517			(906	)
Total shareholders' equity		43,222			43,453			40,333
Total liabilities and stockholders' equity	$	389,400		$	402,513		$	389,397

UNIVERSAL BANCORP

Consolidated Statements of Income and Comprehensive Income

(In Thousands)

	6 mos ended			6 mos ended
	December 31,			December 31,
	2017			2016
	(Unaudited)			(Unaudited)
Interest income
Loans, including related fees	$	7,211		$	6,998
Securities
Taxable		550			488
Tax exempt		709			709
Other		53			42
		8,523			8,237
Interest expense
Deposits		479			465
Other		358			334
		837			799
Net interest income		7,686			7,438
Provision for loan losses		-			60
Net interest income after  provision for loan losses		7,686			7,378
Non-interest income
Service charges on deposits accounts		235			267
Mortgage banking income		396			501
Gain on sales of securities		30			55
Loan servicing income		208			199
Other		361			378
		1,230			1,400
Non-interest expense
Salaries and employee benefits		4,111			3,774
Occupancy and equipment		1,426			1,208
Loan collection and other real estate expenses		(87	)		795
FDIC insurance expense		80			67
Other		1,545			1,342
		7,075			7,186
Income before income taxes		1,841			1,592
Income tax expense		1,319			427
Net income	$	522		$	1,165
Other comprehensive income (loss)
Unrealized gains/(losses) on securities		(753	)		(2,279	)
Comprehensive income (loss)	$	(231	)	$	(1,114	)