Exhibit 99

Consolidated Balance Sheets

(UNAUDITED)

in thousands of dollars

	September 30,
	2011			2010
ASSETS
Cash and due from banks	$	10,101		$	3,041
Interest-bearing deposits with other financial institutions		20,802			0
Federal funds sold		0			40,833
Total cash and cash equivalents		30,903			43,874
Time deposits with other financial institutions		11,511			8,756
Securities available for sale		69,324			46,588
Securities held to maturity (market value		5,959			7,391
Other securities		997			1,008
Total investment securities		76,280			54,987
Loans		124,950			136,502
Less allowance for loan losses		(3,433	)		(1,148	)
Loans, Net		121,517			135,354
Premises and equipment, net		5,280			5,603
Other assets		14,357			12,218
Total assets	$	259,848		$	260,792
LIABILITIES
Deposits
Noninterest-bearing demand	$	51,150		$	42,900
Interest-bearing deposits		184,556			192,372
Total deposits		235,706			235,272
Other liabilities		4,465			4,283
Total liabilities		240,171			239,555
SHAREHOLDERS’ EQUITY
Common Stock		3,030			3,030
Surplus		19,498			19,498
Retained Earnings and Accumulated other Comprehensive Income/(Loss)		(2,851	)		(1,291	)
Total shareholders’ equity		19,677			21,237
Total liabilities and shareholders’ equity	$	259,848		$	260,792

Consolidated Statement of Income

(Unaudited)

in thousands of dollars

Nine months ended September 30,

	2011			2010			2009
INTEREST INCOME
Interest and fees on loans	$	5,864		$	6,567		$	7,669
Interest on securities:
Taxable		784			708			1,038
Tax exempt		356			398			391
Other interest income		160			179			178
Total interest income		7,164			7,852			9,276
INTEREST EXPENSE ON DEPOSITS		1,148			1,640			2,789
NET INTEREST INCOME		6,016			6,212			6,487
Provision for loan losses		2,445			525			1,725
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES		3,571			5,687			4,762
NONINTEREST INCOME
Service charges and fees		775			798			837
Net realized gains from sale of loans		130			200			352
Loan servicing fees, net of amortization		65			39			(32	)
Gain on life insurance proceeds		0			189			0
Gain on the sale of investment securities		0			5			620
Other income		389			289			267
Total noninterest income		1,359			1,520			2,044
NONINTEREST EXPENSES
Salaries and benefits		2,977			2,975			3,110
Occupancy		749			743			805
FDIC insurance premiums		316			404			499
Expenses relating to ORE property		1,664			656			368
Other expenses		1,562			1,474			1,509
Total noninterest expenses		7,268			6,252			6,291
INCOME BEFORE INCOME TAXES		(2,338	)		955			515
Income tax expense		(949	)		96			(233	)
NET INCOME		($1,389	)	$	859		$	748
BASIC NET INCOME PER SHARE		($1.15	)	$	0.71		$	0.62
Return on Average Assets		-0.55	%		0.46	%		0.38	%
Return on Average Equity		-6.62	%		5.49	%		5.39	%