NORWICH, NY (July 24, 2006) - NBT Bancorp Inc. (NBT) (NASDAQ: NBTB) reported today that net income for the quarter ended June 30, 2006 was $14.2 million, up 8% or $1.1 million from net income of $13.1 million reported for the same period in 2005. Net income per diluted share for the three months ended June 30, 2006 was $0.41 per share, as compared to $0.40 per share for the same period in 2005. Return on average assets and return on average equity were 1.15% and 14.71%, respectively, for the quarter ended June 30, 2006, compared with 1.22% and 16.21%, respectively, for the same period in 2005. The increase in net income for the quarter ended June 30, 2006, was primarily the result of a $2.0 million increase in net interest income and a $1.5 million increase in noninterest income. In addition, the Company experienced a decrease in the provision for loan and lease losses of $0.6 million for the quarter ended June 30, 2006 compared to the same period in 2005. The aforementioned increases in income and reduction of the provision for loan and lease losses were partially offset by a $3.0 million increase in noninterest expense. Results for the three months ended June 30, 2006, include $0.4 million in pre-tax salaries and benefits expense related to stock options resulting from the adoption on January 1, 2006 of Statement of Financial Accounting Standards No. 123 (revised 2004) (FAS 123R), “Share-Based Payment”, which requires companies to measure and recognize compensation expense for all share-based payments. The adoption of FAS 123R lowered diluted earnings per share by $0.01 for the three months ended June 30, 2006.

Net income for the six months ended June 30, 2006, was $27.8 million, up 7% or $1.9 million from net income of $25.9 million reported for the same period in 2005. Net income per diluted share for the six month period ended June 30, 2006 was $0.81 per share, as compared to $0.79 per share for the same period in 2005. Return on average assets and return on average equity were 1.17% and 14.93%, respectively, for the six months ended June 30, 2006, compared with 1.23% and 15.99%, respectively, for the same period in 2005. The increase in net income for the six months ended June 30, 2006 was primarily the result of a $3.4 million increase in net interest income and a $2.0 million increase in noninterest income. In addition, the Company experienced a decrease in the provision for loan and lease losses of $0.7 million for the six months ended June 30, 2006 compared to the same period in 2005. The aforementioned increases in income were partially offset by a $4.6 million increase in noninterest expense. Results for the six months ended June 30, 2006, include $1.1 million in pre-tax salaries and benefits expense related to stock options resulting from the adoption of FAS 123R on January 1, 2006. This lowered diluted earnings per share by $0.03 for the six months ended June 30, 2006.

In late June, portions of NBT's market areas in New York and Pennsylvania were affected by record flooding. Dietrich said, "I am very proud of the efforts of our employees. Many went above and beyond the call of duty in safely helping us restore our banking functions in the areas most heavily hit. These efforts, in conjunction with our disaster recovery plan, allowed us to process our work with minimal interruption to our branch and ATM network. At this time, we do not believe that the flood's financial impact on our business is significant. Most of the damage to our facilities is covered by insurance. We extend our sympathies to those in our communities who suffered losses due to this devastating flood."

Nonperforming loans at June 30, 2006 were $12.9 million or 0.38% of total loans and leases compared with $13.5 million or 0.45% of total loans and leases at June 30, 2005 and $14.3 million or 0.47% of total loans and leases at December 31, 2005. Annualized net charge-offs to average loans and leases for the six months ended June 30, 2006, were 0.20%, compared with the 0.18% annualized ratio for the six months ended June 30, 2005, and the ratio for the year ended December 31, 2005 of 0.23%. The Company’s allowance for loan and lease losses was 1.50% of loans and leases at June 30, 2006 compared with 1.55% at June 30, 2005, and 1.57% at December 31, 2005. The ratio of the allowance for loan and lease losses to nonperforming loans was 390.04% at June 30, 2006 compared with 344.01% at June 30, 2005, and 331.92% at December 31, 2005.

Net interest income was up 5.2% to $41.4 million for the quarter ended June 30, 2006, compared to $39.3 million for the same period a year ago. Despite a decrease in the Company’s net interest margin, which was 3.73% for the quarter ended June 30, 2006, down from 4.02% for the same period in 2005, the increase in net interest income was attributable to 14% growth in average earning assets. The growth in average earning assets was due primarily to the acquisition of CNB. Despite a decrease in the Company’s net interest margin, which was 3.80% for the six months ended June 30, 2006, down from 4.06% for the same period in 2005, net interest income for the six months ended June 30, 2006 increased 4.3%, to $81.5 million from $78.1 million in the same period for 2005. The increase in net interest income was attributable to a 12% growth in average earning assets due primarily to the acquisition of CNB. The decline in the net interest margin is due largely to the effect from our borrowings, money market accounts and time deposits repricing in the higher interest rate environment. Earning assets, particularly those tied to a fixed rate, have not realized the benefit of the higher interest rate environment, since rates for earning assets with terms three years or longer have remained relatively flat during this period. The Company anticipates that margin pressure will persist into the next several quarters given the flat yield curve.

Noninterest income for the quarter ended June 30, 2006 was $12.6 million, up $1.5 million or 13.6% from $11.1 million for the same period in 2005. Fees from service charges on deposit accounts and ATM and debit cards collectively increased $0.4 million from solid growth in demand deposit accounts and debit card base. Retirement plan administration fees for the three months ended June 30, 2006, increased $0.3 million compared with the same period in 2005 as a result of our growing client base. Trust administration income increased $0.2 million or 16.6% for the quarter ended June 30, 2006 compared to the same period in 2005. This increase stems from the increased market value of accounts generating greater fees, an increase in customer accounts as a result of the acquisition of CNB, and successful business development. Broker/dealer and insurance revenue for the three months ended June 30, 2006 increased $0.2 million in large part due to the addition of Hathaway Insurance Agency as part of the acquisition of CNB, as well as the planned expansion of the financial services business. Other noninterest income increased $0.3 million compared with the same period in 2005, primarily due to increases in retail and commercial banking fees.

Noninterest income for the six months ended June 30, 2006 was $23.8 million, up $2.0 million or 9.3% from $21.8 million for the same period in 2005. Included in noninterest income for the six months ended June 30, 2006 were $0.9 million in net losses from investment securities sales. Excluding the effect of these transactions for the six months ended June 30, 2006, noninterest income increased $3.0 million or 13.7% compared with the same period in 2005. For the six months ended June 30, 2006, fees from service charges on deposit accounts and ATM and debit cards collectively increased $1.0 million from solid growth in demand deposit accounts, which has led to an increase in the Company’s debit card base. Retirement plan administration fees for the six months ended June 30, 2006, increased $0.6 million compared with the same period in 2005 due to an increase in our client base. Trust administration income increased $0.3 million or 12.5% for the six months ended June 30, 2006 compared to the same period in 2005. This increase stems from the increased market value of accounts generating greater fees, an increase in customer accounts as a result of the acquisition of CNB, and successful business development. Other noninterest income increased $1.2 million for the six months ended June 30, 2006, compared with the same period in 2005, due to increases in retail and commercial banking fees. For the six months ended June 30, 2006, broker/dealer and insurance revenue decreased by $0.2 million as compared with the same period in 2005. While the Company experienced organic growth and acquired Hathaway Insurance Agency during the period in 2006, these increases over 2005 were offset by the sale of M. Griffith, Inc. in the first quarter of 2005.

Noninterest expense for the quarter ended June 30, 2006 was $31.7 million, up from $28.7 million for the same period in 2005. Salaries and employee benefits for the quarter ended June 30, 2006, increased $1.1 million over the same period in 2005, mainly from higher salaries from merit increases, the acquisition of CNB, and stock-based compensation costs associated with the adoption of FAS 123R. Office expenses such as supplies and postage, occupancy, equipment, and data processing and communications charges increased by $0.8 million for the quarter ended June 30, 2006 as compared with the same period in 2005. This 9.7% increase resulted primarily from the overall growth of the Company as well as the acquisition of CNB Bancorp on February 10, 2006. Professional fees and services increased $0.4 million for the quarter ended June 30, 2006 as compared with the same period in 2005. This increase was due to several factors including an increase in courier service expenses due to the acquisition of CNB, as well as increasing transportation costs. In addition, legal fees incurred during the quarter ended June 30, 2006 increased over the same period in 2005 as the Company was reimbursed for legal fees during the second quarter of 2005 associated with prior litigation. Amortization

expense increased $0.3 million for the quarter ended June 30, 2006 over the same period in 2005. This increase was due primarily to the acquisition of CNB. Other operating expense for the quarter ended June 30, 2006 increased $0.3 million compared with the same period in 2005, primarily due to $0.2 million in flood related losses. Income tax expense for the quarter ended June 30, 2006 was $6.4 million, up from $6.2 million for the same period in 2005. The effective rate for the quarter ended June 30, 2006 was 31.0%, down from 32.2% for the same period in 2005. The decline in the effective tax rate during the second quarter 2006 versus the same period in 2005 is primarily a result of an increase in interest income from tax exempt sources.

Noninterest expense for the six months ended June 30, 2006 was $62.2 million, up from $57.6 million for the same period in 2005. Salaries and employee benefits for the six months ended June 30, 2006, increased $1.4 million over the same period in 2005, mainly from higher salaries from merit increases, the acquisition of CNB, and stock-based compensation costs associated with the adoption of FAS 123R. Office expenses such as supplies and postage, occupancy, equipment, and data processing and communications charges increased by $1.1 for the six months ended June 30, 2006 as compared with the same period in 2005. This 6.7% increase resulted primarily from the overall growth of the Company as well as the acquisition of CNB Bancorp on February 10, 2006. Professional fees and services increased $0.6 million for the six months ended June 30, 2006 as compared with the same period in 2005. This increase was due to several factors including an increase in courier service expenses due to the acquisition of CNB, as well as increasing transportation costs. In addition, legal fees incurred during the period increased over the same period in 2005 as the Company was reimbursed for legal fees during the second quarter of 2005 associated with prior litigation. Amortization expense increased $0.5 million for the six months ended June 30, 2006 over the same period in 2005. This increase was due primarily to the acquisition of CNB. Other operating expense for the six months ended June 30, 2006 increased $1.1 million compared with the same period in 2005, in large part due to merger expenses incurred as a result of the acquisition of CNB as well as flood related losses. Income tax expense for the six months ended June 30, 2006 was $11.9 million, down from $12.3 million for the same period in 2005. The effective rate for the six months ended June 30, 2006 was 30.0%, down from 32.2% for the same period in 2005. The decrease in tax expense and the effective tax rate for the six months ended June 30, 2006 resulted primarily from a settlement for a tax refund claim of $0.5 million during the first quarter and an increase in interest income from tax exempt sources.

Total assets were $5.0 billion at June 30, 2006 up $0.6 billion from $4.4 billion at June 30, 2005. Loans and leases increased $0.3 billion or 12% from $3.0 billion at June 30, 2005 to $3.3 billion at June 30, 2006 due in large part to the acquisition of CNB. In addition, loan growth was fueled by solid production from consumer and commercial loan products. Total deposits were $3.7 billion at June 30, 2006 up 18% from the same period at June 30, 2005, also due in large part to the acquisition of CNB. Stockholders’ equity was $377.6 million representing total equity to total assets of 7.56% at June 30, 2006 compared with $330.7 million or a total equity to total asset ratio of 7.55% at June 30, 2005.

NBT is a financial holding company headquartered in Norwich, NY, with total assets of $5.0 billion at June 30, 2006. The Company primarily operates through NBT Bank, N.A., a full-service community bank with two divisions and through two financial services companies. NBT Bank, N.A. has 121 locations, including 83 NBT Bank offices in upstate New York and 38 Pennstar Bank offices in northeastern Pennsylvania. EPIC Advisors, Inc., based in Rochester, NY, is a full-service 401(k) plan recordkeeping firm. Hathaway Insurance Agency, Inc., based in Gloversville, NY, is a full service insurance agency. More information about NBT and its divisions can be found on the Internet at www.nbtbancorp.com, www.nbtbank.com, www.pennstarbank.com, www.epic1st.com and www.hathawayagency.com .

This news release contains forward-looking statements. These forward-looking statements involve risks and uncertainties and are based on the beliefs and assumptions of the management of NBT Bancorp and its subsidiaries and on the information available to management at the time that these statements were made. There are a number of factors, many of which are beyond NBT's control, that could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include, among others, the following possibilities: (1) competitive pressures among depository and other financial institutions may increase significantly; (2) revenues may be lower than expected; (3) changes in the interest rate environment may reduce interest margins; (4) general economic conditions, either nationally or regionally, may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and/or a reduced demand for credit; (5) legislative or regulatory changes, including changes in accounting standards and tax laws, may adversely affect the businesses in which NBT is engaged; (6) competitors may have greater financial resources and develop products that enable such competitors to compete more successfully than NBT; (7) NBT may fail to realize projected cost savings, revenue enhancements and the accretive effect of the CNB acquisition on our earnings; and (8) adverse changes may occur in the securities markets or with respect to inflation. Forward-looking statements speak only as of the date they are made. Except as required by law, NBT does not undertake to update forward-looking statements to reflect subsequent circumstances or events.

	2006			2005			Net Change			Percent Change
	(dollars in thousands, except per share data)

Three Months Ended June 30,
Net Income	$	14,169		$	13,128		$	1,041			8	%
Diluted Earnings Per Share	$	0.41		$	0.40		$	0.01			2	%
Weighted Average Diluted
Common Shares Outstanding		34,471,723			32,583,600			1,888,123			6	%
Return on Average Assets		1.15	%		1.22	%		-0.07	%		-6	%
Return on Average Equity		14.71	%		16.21	%		-1.50	%		-9	%
Net Interest Margin		3.73	%		4.02	%		-0.29	%		-7	%

Six Months Ended June 30,
Net Income	$	27,757		$	25,917		$	1,840			7	%
Diluted Earnings Per Share	$	0.81		$	0.79		$	0.02			3	%
Weighted Average Diluted
Common Shares Outstanding		34,111,076			32,779,403			1,331,673			4	%
Return on Average Assets		1.17	%		1.23	%		-0.06	%		-5	%
Return on Average Equity		14.93	%		15.99	%		-1.06	%		-7	%
Net Interest Margin		3.80	%		4.06	%		-0.26	%		-6	%

Asset Quality		June 30, 2006			December 31, 2005			June 30, 2005
Nonaccrual Loans	$	12,277		$	13,419		$	13,041
90 Days Past Due and Still Accruing	$	580		$	878		$	450
Total Nonperforming Loans	$	12,857		$	14,297		$	13,491
Other Real Estate Owned (OREO)	$	423		$	265		$	395
Total Nonperforming Assets	$	13,280		$	14,562		$	13,886
Allowance for Loan and Lease Losses	$	50,148		$	47,455		$	46,411
Year-to-Date (YTD) Net Charge-Offs	$	3,148		$	6,941		$	2,637
Allowance to Loans and Leases		1.50	%		1.57	%		1.55	%
Total Nonperforming Loans to Loans and Leases		0.38	%		0.47	%		0.45	%
Total Nonperforming Assets to Assets		0.27	%		0.33	%		0.32	%
Allowance to Nonperforming Loans		390.04	%		331.92	%		344.01	%
Net Charge-Offs to
YTD Average Loans and Leases		0.20	%		0.23	%		0.18	%

Capital
Equity to Assets		7.56	%		7.54	%		7.55	%
Book Value Per Share	$	11.15		$	10.34		$	10.22
Tangible Book Value Per Share	$	7.72		$	8.75		$	8.62
Tier 1 Leverage Ratio		7.27	%		7.16	%		6.91	%
Tier 1 Capital Ratio		9.90	%		9.80	%		9.23	%
Total Risk-Based Capital Ratio		11.15	%		11.05	%		10.48	%

	2006		2005		Net Change			Percent Change
	(dollars in thousands, except per share data)
Balance Sheet as of June 30,
Loans	$	3,347,876	$	2,995,964	$	351,912			12	%
Earning Assets	$	4,636,111	$	4,087,964	$	548,147			13	%
Total Assets	$	4,995,912	$	4,381,364	$	614,548			14	%
Deposits	$	3,747,901	$	3,178,059	$	569,842			18	%
Stockholders’ Equity	$	377,606	$	330,749	$	46,857			14	%

Average Balances
Quarter Ended June 30,
Loans	$	3,302,136	$	2,943,631	$	358,505			12	%
Securities Available For Sale
(excluding unrealized gains or losses)	$	1,132,330	$	955,166	$	177,164			19	%
Securities Held To Maturity	$	101,481	$	88,401	$	13,080			15	%
Regulatory Equity Investment	$	40,166	$	36,617	$	3,549			10	%
Short-Term Interest Bearing Accounts	$	7,346	$	6,411	$	935			15	%
Total Earning Assets	$	4,583,459	$	4,030,226	$	553,233			14	%
Total Assets	$	4,937,007	$	4,307,004	$	630,003			15	%
Interest Bearing Deposits	$	3,039,915	$	2,657,197	$	382,718			14	%
Non-Interest Bearing Deposits	$	614,049	$	521,348	$	92,701			18	%
Short-Term Borrowings	$	422,007	$	320,151	$	101,856			32	%
Long-Term Borrowings	$	424,176	$	430,452		($6,276	)		-1	%
Total Interest Bearing Liabilities	$	3,886,097	$	3,407,800	$	478,297			14	%
Stockholders’ Equity	$	386,183	$	324,801	$	61,382			19	%

Average Balances
Six Months Ended June 30,
Loans	$	3,225,053	$	2,910,426	$	314,627			11	%
Securities Available For Sale
(excluding unrealized gains or losses)	$	1,093,566	$	954,013	$	139,553			15	%
Securities Held To Maturity	$	99,425	$	86,602	$	12,823			15	%
Regulatory Equity Investment	$	40,357	$	36,576	$	3,781			10	%
Short-Term Interest Bearing Accounts	$	7,543	$	6,569	$	974			15	%
Total Earning Assets	$	4,465,944	$	3,994,186	$	471,758			12	%
Total Assets	$	4,802,333	$	4,272,507	$	529,826			12	%
Interest Bearing Deposits	$	2,925,441	$	2,630,965	$	294,476			11	%
Non-Interest Bearing Deposits	$	602,632	$	513,447	$	89,185			17	%
Short-Term Borrowings	$	423,639	$	324,912	$	98,727			30	%
Long-Term Borrowings	$	423,142	$	421,890	$	1,252			0	%
Total Interest Bearing Liabilities	$	3,772,222	$	3,377,767	$	394,455			12	%
Stockholders’ Equity	$	375,658	$	327,360	$	48,298			15	%

NBT Bancorp Inc. and Subsidiaries	June 30,		December 31,		June 30,
Consolidated Balance Sheets (unaudited)	2006		2005		2005
(in thousands)

ASSETS
Cash and due from banks	$	136,005	$	134,501	$	118,358
Short term interest bearing accounts		9,575		7,987		6,078
Securities available for sale, at fair value		1,100,416		954,474		961,944
Securities held to maturity (fair value of $109,562, $93,701 and		110,331		93,709		88,771
$89,465 at June 30, 2006, December 31, 2005 and
June 30, 2005, respectively)
Federal Reserve and Federal Home Loan Bank stock		40,338		40,259		39,442
Loans and leases		3,347,876		3,022,657		2,995,964
Less allowance for loan and lease losses		50,148		47,455		46,411
Net loans and leases		3,297,728		2,975,202		2,949,553
Premises and equipment, net		66,948		63,693		64,133
Goodwill		102,803		47,544		47,544
Intangible assets, net		13,338		3,808		4,092
Bank owned life insurance		40,926		33,648		32,968
Other assets		77,504		71,948		68,481
TOTAL ASSETS	$	4,995,912	$	4,426,773	$	4,381,364

LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits:
Demand (noninterest bearing)	$	642,901	$	593,422	$	569,046
Savings, NOW, and money market		1,567,171		1,325,166		1,386,720
Time		1,537,829		1,241,608		1,222,293
Total deposits		3,747,901		3,160,196		3,178,059
Short-term borrowings		320,637		444,977		384,171
Long-term debt		421,736		414,330		419,377
Trust preferred debentures		75,422		23,875		18,720
Other liabilities		52,610		49,452		50,288
Total liabilities		4,618,306		4,092,830		4,050,615


Total stockholders' equity		377,606		333,943		330,749

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	4,995,912	$	4,426,773	$	4,381,364

NBT Bancorp Inc. and Subsidiaries	Three months ended June 30,				Six months ended June 30,
Consolidated Statements of Income (unaudited)	2006		2005		2006			2005
(in thousands, except per share data)
Interest, fee and dividend income:
Loans and leases	$	57,085	$	46,260	$	109,918		$	90,204
Securities available for sale		13,084		10,226		24,961			20,473
Securities held to maturity		1,043		831		2,028			1,634
Other		619		549		1,230			1,016
Total interest, fee and dividend income		71,831		57,866		138,137			113,327
Interest expense:
Deposits		20,869		12,018		38,094			22,738
Short-term borrowings		4,111		2,207		8,048			4,068
Long-term debt		4,227		4,032		8,369			7,840
Trust preferred debentures		1,255		285		2,138			543
Total interest expense		30,462		18,542		56,649			35,189
Net interest income		41,369		39,324		81,488			78,138
Provision for loan and lease losses		1,703		2,320		3,431			4,116
Net interest income after provision for loan and lease losses		39,666		37,004		78,057			74,022
Noninterest income:
Trust		1,459		1,251		2,817			2,503
Service charges on deposit accounts		4,493		4,311		8,712			8,240
ATM and debit card fees		1,789		1,544		3,434			2,944
Broker/dealer and insurance revenue		967		736		1,875			2,088
Net securities gains (losses)		22		51		(912	)		47
Bank owned life insurance income		392		333		773			666
Retirement plan administration fees		1,431		1,156		2,662			2,019
Other		2,003		1,673		4,419			3,259
Total noninterest income		12,556		11,055		23,780			21,766
Noninterest expense:
Salaries and employee benefits		16,335		15,253		32,083			30,705
Office supplies and postage		1,456		1,121		2,637			2,271
Occupancy		2,747		2,550		5,735			5,338
Equipment		2,067		1,931		4,223			4,027
Professional fees and outside services		1,800		1,381		3,632			3,056
Data processing and communications		2,649		2,530		5,351			5,188
Amortization of intangible assets		466		142		789			260
Loan collection and other real estate owned		289		208		500			609
Other operating		3,885		3,580		7,216			6,123
Total noninterest expense		31,694		28,696		62,166			57,577
Income before income taxes		20,528		19,363		39,671			38,211
Income taxes		6,359		6,235		11,914			12,294
Net income	$	14,169	$	13,128	$	27,757		$	25,917
Earnings Per Share:
Basic	$	0.41	$	0.41	$	0.82		$	0.80
Diluted	$	0.41	$	0.40	$	0.81		$	0.79

NBT Bancorp Inc. and Subsidiaries	2Q		1Q			4Q			3Q			2Q
Quarterly Consolidated Statements of Income (unaudited)	2006		2006			2005			2005			2005
(in thousands, except per share data)
Interest, fee and dividend income:
Loans	$	57,085	$	52,833		$	50,726		$	48,784		$	46,260
Securities available for sale		13,084		11,877			10,544			10,103			10,226
Securities held to maturity		1,043		985			913			860			831
Other		619		611			575			535			549
Total interest, fee and dividend income		71,831		66,306			62,758			60,282			57,866
Interest expense:
Deposits		20,869		17,225			14,352			12,842			12,018
Short-term borrowings		4,111		3,937			3,911			3,005			2,207
Long-term debt		4,227		4,142			4,098			4,176			4,032
Trust preferred debentures		1,255		883			375			308			285
Total interest expense		30,462		26,187			22,736			20,331			18,542
Net interest income		41,369		40,119			40,022			39,951			39,324
Provision for loan and lease losses		1,703		1,728			2,596			2,752			2,320
Net interest income after provision for loan and lease losses		39,666		38,391			37,426			37,199			37,004
Noninterest income:
Trust		1,459		1,358			1,234			1,292			1,251
Service charges on deposit accounts		4,493		4,219			4,340			4,314			4,311
ATM and debit card fees		1,789		1,645			1,587			1,631			1,544
Broker/dealer and insurance fees		967		908			527			571			736
Net securities gains (losses)		22		(934	)		(546	)		(737	)		51
Bank owned life insurance income		392		381			342			339			333
Retirement plan administration fees		1,431		1,231			1,212			1,195			1,156
Other		2,003		2,416			1,736			1,746			1,673
Total noninterest income		12,556		11,224			10,432			10,351			11,055
Noninterest expense:
Salaries and employee benefits		16,335		15,748			13,863			15,438			15,253
Office supplies and postage		1,456		1,181			1,222			1,135			1,121
Occupancy		2,747		2,988			2,689			2,425			2,550
Equipment		2,067		2,156			2,120			1,971			1,931
Professional fees and outside services		1,800		1,832			1,584			1,447			1,381
Data processing and communications		2,649		2,702			2,548			2,613			2,530
Amortization of intangible assets		466		323			142			142			142
Loan collection and other real estate owned		289		211			278			115			208
Other operating		3,885		3,331			4,703			3,293			3,580
Total noninterest expense		31,694		30,472			29,149			28,579			28,696
Income before income taxes		20,528		19,143			18,709			18,971			19,363
Income taxes		6,359		5,555			5,714			5,445			6,235
Net income	$	14,169	$	13,588		$	12,995		$	13,526		$	13,128
Earnings per share:
Basic	$	0.41	$	0.41		$	0.40		$	0.42		$	0.41
Diluted	$	0.41	$	0.40		$	0.40		$	0.41		$	0.40

Quarterly Common Stock Price	2006				2005				2004
Quarter End		High		Low		High		Low		High		Low
March 31	$	23.90	$	21.02	$	25.66	$	21.48	$	23.00	$	21.21
June 30	$	23.24	$	21.03		24.15		20.10		23.18		19.92
September 30						25.50		22.79		24.34		21.02
December 31						23.79		20.75		26.84		21.94