Exhibit 99

DEARBORN BANCORP REPORTS FIRST QUARTER PROFIT

     DEARBORN, Michigan, April 20, 2010 ... Dearborn Bancorp, Inc. (Nasdaq: DEAR), the Holding Company for Fidelity Bank (“Bank”), today reported net income of $1,128,000 or $0.15 per fully diluted common share for the three months ended March 31, 2010 compared to a net loss of $6,249,000 or $(0.81) per share for the three months ended March 31, 2009. The Company’s Shareholders’ Equity of $43,180,000 equates to a book value of $5.62 per share compared to the market closing price of $1.11 on March 31, 2010. In accordance with regulatory capital guidelines, the Bank remains “undercapitalized” at March 31, 2010.

     At March 31, 2010, the Company’s total assets were $970,669,000, representing a decline of 9.60 percent over the preceding 12 months. Total deposits decreased 6.12 percent over the previous year and stood at $852,017,000 when the first quarter ended. Total loans were $813,961,000 on March 31, 2010, 9.57 percent less than they had been on the same date in 2009. Strong emphasis is being placed on collection and maintenance of the existing loan portfolio and new lending has been curtailed to conserve capital.

     Michael J. Ross, President and Chief Executive Officer of both the Company and the Bank, announced the financial results and commented, “During the first quarter, charge-offs were $4.9 million, primarily due to the declines in the value of collateral securing previously classified loans that were already reserved in our Allowance for Loan Losses at December 31, 2009. Our allowance for loan losses now stands at $30.3 million, or 3.72% of loans. The carrying value of other real estate owned was written down by $656,000 and defaulted loan expense including taxes, insurance, maintenance and legal was $1.0 million during the quarter.”

     Ross continued, “During the first quarter, $31.5 million of trouble debt restructure returned to performing status, $11.1 million of performing loans were newly restructured, and $7.4 million of accruing restructured loans were placed on non-accrual status to speed the recovery of outstanding principle balances. Loans transferred from performing classified status to non-accrual status grew by $32.6 million as borrowers continue to struggle in the recession in Southeast Michigan.”

     Ross concluded, “The core operations of the Company continue to produce income to offset the high cost of FDIC insurance and the holding costs of other real estate owned. The level of charge-offs remains the determining factor as to whether the Company can maintain profitability in future quarters. Thus, our primary concerns for 2010 remain the Michigan economy, credit quality, and the stability or improvement of the underlying collateral values in our loan portfolio.”

     Dearborn Bancorp, Inc. is a registered bank holding company. Its sole banking subsidiary is Fidelity Bank. The Bank operates 17 offices in Wayne, Oakland, Macomb and Washtenaw Counties in the State of Michigan. Its common shares trade on the Nasdaq Global Market under the symbol DEAR.

CONTACT: Michael J. Ross, President & CEO, at (313) 565-5700 or Jeffrey L. Karafa, CFO, at (313) 381-3200.

Forward-Looking Statements

This press release contains forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995) that are based on current expectations. Words such as “anticipates,” “believes,” “estimates,” “expects,” “forecasts,” “intends,” “is likely,” “plans,” “projects,” variations of such words and similar expressions are intended to identify such forward-looking statements. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions (“Future Factors”) that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Actual results and outcomes may materially differ from what is expressed in forward-looking statements. Dearborn Bancorp undertakes no obligation to update, amend or clarify forward-looking statements, whether as a result of new information, future events (whether anticipated or unanticipated), or otherwise.

Future Factors include changes in interest rates and interest rate relationships; demand for products and services; the degree of competition by traditional and non-traditional competitors; changes in banking regulation; changes in tax laws; changes in prices, levies and assessments; the impact of technological advances; governmental and regulatory policy changes; the outcomes of contingencies, trends in customer behavior as well as their ability to repay loans; actions by bank regulators; availability of capital; changes in local real estate values; changes in the national and local economy; and other factors, including risk factors disclosed from time to time in filings made by Dearborn Bancorp with the Securities and Exchange Commission. These are representative of the Future Factors and could cause a difference between an ultimate actual outcome and a preceding forward-looking statement.

2

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited)

(Dollars, in thousands)	3/31/2010			12/31/2009			3/31/2009
ASSETS
Cash and cash equivalents
Cash and due from banks	$	8,047		$	7,803		$	11,881
Federal funds sold		57			156			6,841
Interest bearing deposits with banks		70,898			69,538			53,262
Total cash and cash equivalents		79,002			77,497			71,984
Mortgage loans held for sale		758			1,129			3,009
Securities available for sale		45,931			45,964			45,368
Securities held to maturity		336			336			—
Federal Home Loan Bank stock		3,698			3,698			3,614
Loans
Loans		813,961			833,136			900,055
Allowance for loan losses		(30,288	)		(35,125	)		(18,632	)
Net loans		783,673			798,011			881,423
Premises and equipment, net		19,973			20,194			21,001
Real estate owned		24,467			23,435			14,624
Other intangible assets		—			—			4,394
Accrued interest receivable		3,595			3,562			3,920
Other assets		9,266			12,660			24,407
Total assets	$	970,699		$	986,486		$	1,073,744
LIABILITIES
Deposits
Non-interest bearing deposits	$	86,407		$	83,873		$	80,624
Interest bearing deposits		765,610			784,082			826,955
Total deposits		852,017			867,955			907,579
Other liabilities
Securities sold under agreements to repurchase		—			—			2,268
Federal Home Loan Bank advances		63,799			63,855			54,955
Accrued interest payable		956			1,046			1,372
Other liabilities		747			1,685			606
Subordinated debentures		10,000			10,000			10,000
Total liabilities		927,519			944,541			976,780
STOCKHOLDERS’ EQUITY
Common stock — no par value 20,000,000 shares authorized, 7,687,470 at 3/31/10, 7,687,470 shares at 12/31/09 and 7,696, 294 shares at 3/31/09		131,960			131,929			131,825
Retained earnings (accumulated deficit)		(88,721	)		(89,850	)		(34,923	)
Accumulated other comprehensive income (loss)		(59	)		(134	)		62
Total stockholders’ equity		43,180			41,945			96,964
Total liabilities and stockholders’ equity	$	970,699		$	986,486		$	1,073,744

3

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF INCOME

	Three Months Ended			Three Months Ended
(In thousands, except share data)	3/31/2010			3/31/2009
Interest income
Interest on loans	$	11,778		$	13,810
Interest on securities, available for sale		168			256
Interest on deposits with banks		37			94
Interest on federal funds		1			6
Total interest income		11,984			14,166
Interest expense
Interest on deposits		3,543			5,998
Interest on other liabilities		386			651
Total interest expense		3,929			6,649
Net interest income		8,055			7,517
Provision for loan losses		100			10,727
Net interest income (loss) after provision for loan losses		7,955			(3,210	)
Non-interest income
Service charges on deposit accounts		343			355
Fees for other services to customers		36			25
Gain on the sale of loans		58			56
Gain (loss) on the sale of securities		69			195
Gain (loss) on the sale of real estate owned		(11	)		29
Loss on the write-down of real estate owned		(656	)		(354	)
Other income		102			22
Total non-interest income		(59	)		328
Non-interest expense
Salaries and employee benefits		3,119			3,290
Occupancy and equipment expense		854			934
Amortization of intangible expense		—			198
FDIC assessment		950			348
Advertising and marketing		27			70
Stationery and supplies		72			111
Professional services		166			191
Data processing		186			228
Defaulted loan expense		1,035			761
Other operating expenses		359			380
Total non-interest expense		6,768			6,511
Income before federal income tax expense		1,128			(9,393	)
Income tax expense (benefit)		—			(3,144	)
Net income (loss)	$	1,128			($6,249	)
Per share data:
Net loss — basic	$	0.15			($0.81	)
Net loss — diluted	$	0.15			($0.81	)
Weighted average number of shares outstanding — basic		7,687,470			7,696,204
Weighted average number of shares outstanding — diluted		7,687,470			7,696,204

4

DEARBORN BANCORP, INC. AND SUBSIDIARY
ASSET QUALITY DATA

(Dollars, in thousands)	3/31/2010		12/31/2009		9/30/2009		6/30/2009		3/31/2009
Troubled debt restructuring	$	31,737	$	59,420	$	45,634	$	46,714	$	19,506
Loans over 90 days past due and still accruing		1,127		—		—		—		—
Non-accrual loans		81,163		49,341		58,866		57,610		55,148
Total non-performing loans		114,027		108,761		104,500		104,324		74,654
Other real estate and other repossessed assets		24,467		23,435		15,472		17,434		14,624
Total non-performing assets	$	138,494	$	132,196	$	119,972	$	121,758	$	89,278
Net charge-offs (year to date)	$	4,938	$	30,190	$	24,600	$	16,367	$	6,547
Allowance for loan losses		30,288		35,125		28,373		22,422		18,632

ASSET QUALITY RATIOS

	3/31/2010			12/31/2009			9/30/2009			3/31/2009			12/31/2008
Non-accrual loans to total loans		9.97	%		5.72	%		6.68	%		6.40	%		5.91	%
Non-performing loans to total loans		14.01	%		12.61	%		11.85	%		11.59	%		8.00	%
Non-performing assets to total assets		14.27	%		12.68	%		12.12	%		11.34	%		7.96	%
Loans over 90 days past due and still accruing to total loans		0.14	%		—	%		—	%		—	%		—	%
Net charge-offs to average loans		0.60	%		3.37	%		2.71	%		1.78	%		0.69	%
Allowance for loan losses to non-performing loans		26.56	%		32.30	%		27.15	%		21.49	%		24.96	%
Allowance for loan losses to non-performing assets		21.87	%		26.57	%		23.65	%		18.42	%		20.87	%
Allowance for loan losses to total loans		3.72	%		4.07	%		3.22	%		2.49	%		2.00	%

5

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS

	Quarter Ended
(Dollars, in thousands)	3/31/10			12/31/09			9/30/09			6/30/09			3/31/09
ASSETS
Cash and cash equivalents
Cash and due from banks	$	8,047		$	7,803		$	17,330		$	25,475		$	11,881
Federal funds sold		57			156			6,206			1,425			6,841
Interest bearing deposits with banks		70,898			69,538			117,732			18,454			53,262
Total cash and cash equivalents		79,002			77,497			141,268			45,354			71,984
Mortgage loans held for sale		758			1,129			1,449			60			3,009
Securities		46,267			46,300			13,910			4,007			45,368
Federal Home Loan Bank stock		3,698			3,698			3,698			3,698			3,614
Loans
Loans		813,961			833,136			862,664			881,818			900,055
Allowance for loan loss		(30,288	)		(35,125	)		(28,373	)		(22,422	)		(18,632	)
Net loans		783,673			798,011			834,291			859,396			881,423
Bank premises and equipment, net		19,973			20,194			20,477			20,784			21,001
Other real estate		24,467			23,435			15,472			17,434			14,624
Other intangible assets		—			—			—			4,195			4,394
Accrued interest receivable		3,595			3,562			3,619			3,512			3,920
Other assets		9,266			12,660			8,153			31,360			24,407
Total assets	$	970,699		$	986,486		$	1,042,337		$	989,800		$	1,073,744
LIABILITIES
Deposits
Non-interest bearing deposits	$	86,407		$	83,873		$	89,329		$	83,752		$	80,624
Interest bearing deposits		765,610			784,082			815,625			729,415			826,955
Total deposits		852,017			867,955			904,954			813,167			907,579
Other liabilities
Securities sold under agreements to repurchase		—			—			2,302			2,206			2,268
Federal Home Loan Bank advances		63,799			63,855			73,855			73,955			54,955
Other liabilities		956			1,685			2,380			1,104			606
Accrued interest payable		747			1,046			956			1,491			1,372
Subordinated debentures		10,000			10,000			10,000			10,000			10,000
Total liabilities		927,519			944,541			994,447			901,923			976,780
Total stockholders’ equity		43,180			41,945			47,890			87,877			96,964
Total liabilities and stockholders’ equity	$	970,699		$	986,486		$	1,042,337		$	989,800		$	1,073,744

6

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED INCOME STATEMENT

							Quarter ended
(Dollars, in thousands)	3/31/2010			12/31/2009			9/30/2009			6/30/2009			3/31/2009
INTEREST INCOME
Interest on loans, including fees	$	11,778		$	13,042		$	13,135		$	13,286		$	13,810
Interest on other earning assets		206			226			111			287			356
Total interest income		11,984			13,268			13,246			13,573			14,166
INTEREST EXPENSE
Interest on deposits		3,543			4,731			4,806			5,458			5,998
Interest on other liabilities		386			531			614			578			651
Total interest expense		3,929			5,262			5,420			6,036			6,649
Net interest income		8,055			8,006			7,826			7,537			7,517
Provision for loan loss		100			12,341			14,185			13,610			10,727
Net interest income (loss) after provision for loan loss		7,955			(4,335	)		(6,359	)		(6,073	)		(3,210	)
NON-INTEREST INCOME
Deposit service charges		379			412			421			412			380
Gain on the sale of loans		58			99			37			160			56
Loss on the sale or write-down of real estate		(667	)		(249	)		(793	)		(1,538	)		(325	)
Other		171			112			(265	)		395			217
Total non-interest income (loss)		(59	)		374			(600	)		(571	)		328
NON-INTEREST EXPENSE
Salaries and employee benefits		3,119			3,317			3,159			3,208			3,290
Occupancy and equipment expense		854			870			903			916			934
Impairment of goodwill and other intangible assets		—			—			3,997			—			—
Other expense		2,795			3,109			3,751			2,979			2,287
Total non-interest expense		6,768			7,296			11,810			7,103			6,511
Income (loss) before income tax provision		1,128			(11,257	)		(18,769	)		(13,747	)		(9,393	)
Income tax provision (benefit)		—			(5,451	)		21,276			(4,672	)		(3,144	)
Net income (loss)	$	1,128			($5,806	)		($40,045	)		($9,075	)		($6,249	)

7

DEARBORN BANCORP, INC. AND SUBSIDIARY
CONSOLIDATED FINANCIAL DATA

	Quarter ended
(Dollars in thousands, except share and per share data)	3/31/2010			12/31/2009			9/30/2009			6/30/2009			3/31/2009
EARNINGS SUMMARY
Net interest income	$	8,055		$	8,006		$	7,826		$	7,537		$	7,517
Provision for loan loss	$	100		$	12,341		$	14,185		$	13,610		$	10,727
Total non-interest income		($59	)	$	374			($600	)		($571	)	$	328
Total non-interest expense	$	6,768		$	7,296		$	11,810		$	7,103		$	6,511
Income taxes (benefit)		—			($5,451	)	$	21,276			($4,672	)		($3,144	)
Net income (loss)	$	1,128			($5,806	)		($40,045	)		($9,075	)		($6,249	)
Basic earnings per share	$	0.15			($0.76	)		($5.24	)		($1.19	)		($0.82	)
Diluted earnings per share	$	0.15			($0.76	)		($5.24	)		($1.19	)		($0.82	)
MARKET DATA
Book value per share	$	5.62		$	5.46		$	6.23		$	11.43		$	12.60
Tangible book value per share	$	5.62		$	5.46		$	10.59		$	12.26		$	11.16
Market value per share	$	1.11		$	0.46		$	1.21		$	1.80		$	1.82
Average basic common shares		7,687,470			7,645,940			7,645,940			7,644,207			7,644,188
Average diluted common shares		7,687,470			7,645,940			7,645,940			7,644,207			7,644,188
Period end common shares		7,687,470			7,687,470			7,687,470			7,687,470			7,696,204
PERFORMANCE RATIOS
Return on average assets		0.44	%		-2.20	%		-15.77	%		-3.45	%		-2.26	%
Return on average equity		10.50	%		-45.21	%		-181.36	%		-37.77	%		-23.84	%
Net interest margin (FTE)		3.47	%		3.14	%		3.24	%		3.01	%		2.93	%
Efficiency ratio		78.13	%		84.55	%		147.28	%		83.53	%		79.69	%
ASSET QUALITY
Net charge-offs (YTD)	$	4,938		$	30,190		$	24,600		$	16,367		$	6,547
Nonperforming loans	$	114,027		$	108,761		$	104,500		$	104,324		$	74,654
Other real estate	$	24,467		$	23,435		$	15,472		$	17,434		$	14,624
Nonperforming loans to total loans		14.01	%		12.61	%		11.85	%		11.59	%		8.00	%
Nonperforming assets to total assets		14.27	%		12.68	%		12.12	%		11.34	%		7.96	%
Allowance for loan loss to total loans		3.72	%		4.07	%		3.22	%		2.49	%		2.00	%
CAPITAL & LIQUIDITY
Average equity to average assets		4.17	%		4.87	%		8.70	%		9.13	%		9.49	%
Tier 1 capital to risk weighted assets		6.25	%		6.10	%		6.40	%		7.32	%		9.51	%
Total capital to risk weighted assets		7.50	%		7.39	%		7.65	%		8.59	%		10.76	%
Loan to deposit ratio		95.53	%		95.99	%		95.33	%		108.44	%		99.17	%
Loan to funding ratio		87.92	%		88.46	%		87.04	%		98.05	%		92.33	%
END OF PERIOD BALANCES
Total portfolio loans	$	813,961		$	833,136		$	862,664		$	881,818		$	900,055
Earning assets	$	935,639		$	953,957		$	1,005,659		$	909,462		$	1,012,149
Total assets	$	970,699		$	986,486		$	1,042,337		$	989,800		$	1,073,744
Deposits	$	852,017		$	867,955		$	904,954		$	813,167		$	907,579
Total shareholders’equity	$	43,180		$	41,945		$	47,890		$	87,877		$	96,964
AVERAGE BALANCES
Total portfolio loans	$	826,188		$	851,447		$	875,545		$	897,978		$	919,705
Earning assets	$	941,959		$	1,013,062		$	958,383		$	1,004,914		$	1,039,618
Total assets	$	1,045,938		$	1,045,938		$	1,018,320		$	1,066,951		$	1,099,573
Deposits	$	854,071		$	912,691		$	841,447		$	898,387		$	920,113
Total shareholders’equity	$	43,567		$	50,956		$	88,565		$	97,454		$	104,298

8

DEARBORN BANCORP, INC. AND SUBSIDIARY
TANGIBLE ASSETS & EQUITY

	Quarter Ended
(Dollars, in thousands)	3/31/2010		3/31/2009
Average GAAP equity	$	43,567	$	104,218
Goodwill		—		0
Other intangible assets		—		4,508
Deferred taxes		—		12,030
		0		16,538
Average tangible equity	$	43,567	$	87,680

	Quarter Ended
	3/31/2010		3/31/2009
Average GAAP assets	$	973,908	$	1,099,559
Goodwill		—		0
Other intangible assets		—		4,508
Deferred taxes		—		12,030
		0		16,538
Average tangible assets	$	973,908	$	1,083,021

DEARBORN BANCORP, INC. AND SUBSIDIARY
DEPOSIT INFORMATION

(In thousands)	March 31
Category	2010		2009
Non-interest bearing
Demand	$	86,407	$	80,624
Interest bearing
Interest Checking	$	79,566	$	96,491
Money market		57,864		171,426
Savings		44,992		56,389
Time, under $100,000		296,370		215,508
Time, $100,000 and over		286,818		287,141
		765,610		826,955
	$	852,017	$	907,579

9

Dearborn Bancorp, Inc.
Loan Information at March 31, 2010

			Loan Detail											Other Related Data
			Accruing Loans											Allowance		Year to Date		Other Real
(In thousands)	3/31/10		Current			TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	28,623	$	27,578		$	0	$	121	$	0	$	924	$	1,041	$	319	$	127
Commercial Loans		141,338		113,803			7,412		7,374		0		12,749		3,663		1,506		2,441
Land Development — Residential		36,089		10,701			1,628		500		0		23,260		3,883		1,283		8,286
Land Development — Non Residential		9,711		7,026			0		0		1,127		1,558		1,055		229		1,802
Commercial Construction Loans — Residential		12,164		(1,217	)		1,904		1,904		0		9,573		2,534		905		1,636
Commercial Construction Loans — Non Residential		20,813		17,943			0		0		0		2,870		4,246		36		0
Commercial Mortgage Loans		521,701		464,202			20,793		8,843		0		27,863		13,354		550		9,458
Residential Mortgage Loans		43,522		40,388			0		768		0		2,366		512		109		718
Totals	$	813,961	$	680,424		$	31,737	$	19,510	$	1,127	$	81,163	$	30,288	$	4,937	$	24,468

Loan Information at December 31, 2009

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	12/31/09		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	29,386	$	27,877	$	0	$	270	$	0	$	1,239	$	819	$	978	$	127
Commercial Loans		144,630		113,361		20,162		2,019		0		9,088		6,498		4,539		2,456
Land Development — Residential		38,472		26,557		1,980		0		0		9,935		5,909		9,334		7,853
Land Development — Non Residential		11,644		8,346		306		0		0		2,992		807		4,364		384
Commercial Construction Loans — Residential		13,287		4,983		1,784		596		0		5,924		2,003		1,471		2,177
Commercial Construction Loans — Non Residential		20,061		16,502		0		0		0		3,559		3,450		1,981		0
Commercial Mortgage Loans		531,156		474,938		35,188		6,449		0		14,581		15,286		6,858		9,469
Residential Mortgage Loans		44,500		42,098		0		379		0		2,023		353		665		969
Totals	$	833,136	$	714,662	$	59,420	$	9,713	$	0	$	49,341	$	35,125	$	30,190	$	23,435

Loan Information at September 30, 2009

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	9/30/09		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	30,028	$	28,383	$	0	$	410	$	0	$	1,235	$	623	$	547	$	18
Commercial Loans		154,358		131,518		13,010		1,192		0		8,638		4,784		3,368		2,588
Land Development — Residential		44,997		29,203		1,309		0		0		14,485		5,849		7,008		4,380
Land Development — Non Residential		11,604		8,244		0		231		0		3,129		778		3,999		384
Commercial Construction Loans — Residential		15,042		9,389		98		0		0		5,555		3,485		1,270		2,002
Commercial Construction Loans — Non Residential		20,445		17,378		0		0		0		3,067		1,196		1,981		0
Commercial Mortgage Loans		539,200		481,151		31,217		6,365		0		20,467		10,775		5,743		5,340
Residential Mortgage Loans		46,990		42,877		0		1,823		0		2,290		883		684		760
Totals	$	862,664	$	748,143	$	45,634	$	10,021	$	0	$	58,866	$	28,373	$	24,600	$	15,472

10

Loan Information at June 30, 2009

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	6/30/09		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	30,270	$	29,017	$	0	$	214	$	0	$	1,039	$	359	$	528	$	18
Commercial Loans		156,688		131,630		14,346		3,791		0		6,921		4,025		2,301		1,913
Land Development — Residential		48,454		31,199		1,309		240		0		15,706		6,114		5,280		4,103
Land Development — Non Residential		13,405		7,483		0		1,150		0		4,772		1,448		2,356		384
Commercial Construction Loans — Residential		13,125		7,846		99		103		0		5,077		2,345		1,176		2,495
Commercial Construction Loans — Non Residential		22,518		16,336		0		0		0		6,182		869		430		0
Commercial Mortgage Loans		549,275		486,038		30,960		15,969		0		16,308		6,623		3,682		7,789
Residential Mortgage Loans		48,083		46,258		0		220		0		1,605		639		614		732
Totals	$	881,818	$	755,807	$	46,714	$	21,687	$	0	$	57,610	$	22,422	$	16,367	$	17,434

Loan Information at March 31, 2009

			Loan Detail										Other Related Data
			Accruing Loans										Allowance		Year to Date		Other Real
(In thousands)	3/31/09		Current		TDR		30 to 89 past due		90+ days past due		Non-Accrual		For Loan Losses		Net Charge-Offs		Estate Owned
Consumer Loans	$	31,000	$	29,664	$	0	$	208	$	0	$	1,128	$	314	$	113	$	18
Commercial Loans		161,138		143,349		9,490		2,630		0		5,669		2,712		1,003		2,499
Land Development — Residential		50,028		35,850		0		2,637		0		11,541		6,113		2,881		4,431
Land Development — Non Residential		15,914		8,873		0		0		0		7,041		4,203		197		282
Commercial Construction Loans — Residential		15,687		11,730		0		0		0		3,957		2,237		64		2,785
Commercial Construction Loans — Non Residential		25,716		18,997		0		0		0		6,719		1,494		176		0
Commercial Mortgage Loans		548,692		511,915		10,016		8,649		0		18,112		1,008		2,088		3,708
Residential Mortgage Loans		51,880		49,761		0		1,138		0		981		551		25		901
Totals	$	900,055	$	810,139	$	19,506	$	15,262	$	0	$	55,148	$	18,632	$	6,547	$	14,624

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