Filed pursuant to Rule 424(b)(3)
                                           Registration Statement No. 333-154414


PROSPECTUS SUPPLEMENT NO. 1 TO PROSPECTUS
DATED NOVEMBER 10, 2008

                  Nontransferable Subscription Rights for up to
                         334,000 Shares of Common Stock

This Prospectus Supplement No. 1 (the "Prospectus Supplement") supplements our
prospectus dated November 10, 2008 (the "Prospectus") relating to the
distribution to our stockholders of nontransferable subscription rights to
purchase shares of our common stock (the "Common Stock") at a cash subscription
price of $18.00 per share (the "Rights Offering").

Change in Rights Offering Expiration Date

It has come to our attention that our transfer agent experienced difficulties
mailing the Prospectus and related subscription documents. As a result, many of
our stockholders did not receive those documents in a timely manner. To provide
our stockholders adequate time to consider participating in our Rights Offering,
the expiration date of the Rights Offering has been extended. The revised
expiration date for the Rights Offering is 5:00 p.m, Eastern time on December
15, 2008. Notwithstanding the foregoing, as to all rights relating to restricted
shares and shares held by participants in our ESPP program, the expiration date
for the Rights Offering is 5:00 p.m, Eastern time on December 12, 2008.

This Prospectus Supplement should be read in conjunction with, and may not be
utilized without, the Prospectus. This Prospectus Supplement is qualified by
reference to the Prospectus.

Investing in our Common Stock involves a high degree of risk. See "Risk Factors"
beginning on page 21 of the Prospectus. The shares of our Common Stock offered
are not deposits, savings accounts, or other obligations of a bank or savings
association and are not insured by the FDIC or any other governmental agency.

Neither the Securities and Exchange Commission nor any state securities
commission has approved or disapproved of these securities or determined if this
Prospectus Supplement or the Prospectus is truthful or complete. Any
representation to the contrary is a criminal offense. This Prospectus Supplement
and the Prospectus shall not constitute an offer to sell a security in any state
unless such offer, or any resulting sale, is exempt from the securities
registration requirements of such state.

              This Prospectus Supplement is dated November 25, 2008