EXHIBIT 13.2

Selected Financial Data

(in thousands except ratios and per share amounts)



|                                                               |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|-------------------------------------------------------------- |  | ---------------------- | ------- | - | ---- | - | ------- | ---- |  | - | ------- | - |  | ---- | ------- | - |  | - | ------- | -
|                                                               |  | Year Ended December 31 |        
|                                                               |  | 2006                   |         |   | 2005 |   |         | 2004 |  |   | 2003    |   |  | 2002 |        
|Income Statement Data:                                         |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Interest income                                                |  | $                      | 51,016  |   |      | $ | 43,229  |      |  | $ | 39,744  |   |  | $    | 36,205  |   |  | $ | 34,248  |  
|Interest expense                                               |  |                        | 19,444  |   |      |   | 13,198  |      |  |   | 10,770  |   |  |      | 10,421  |   |  |   | 12,107  |  
|Net interest income                                            |  |                        | 31,572  |   |      |   | 30,031  |      |  |   | 28,974  |   |  |      | 25,784  |   |  |   | 22,141  |  
|Provision for loan losses                                      |  |                        | 725     |   |      |   | 552     |      |  |   | 1,279   |   |  |      | 1,637   |   |  |   | 1,515   |  
|Net interest income after provision for loan losses            |  |                        | 30,847  |   |      |   | 29,479  |      |  |   | 27,695  |   |  |      | 24,147  |   |  |   | 20,626  |  
|Noninterest income                                             |  |                        | 5,129   |   |      |   | 4,503   |      |  |   | 4,221   |   |  |      | 3,771   |   |  |   | 3,059   |  
|Securities gains (losses)                                      |  |                        | 36      |   |      |   | 224     |      |  |   | 303     |   |  |      | 173     |   |  |   | 93      |  
|Noninterest expense                                            |  |                        | 25,819  |   |      |   | 24,893  |      |  |   | 22,348  |   |  |      | 18,455  |   |  |   | 14,583  |  
|Income before income taxes                                     |  |                        | 10,193  |   |      |   | 9,313   |      |  |   | 9,871   |   |  |      | 9,636   |   |  |   | 9,195   |  
|Income taxes                                                   |  |                        | 2,956   |   |      |   | 2,587   |      |  |   | 2,631   |   |  |      | 2,553   |   |  |   | 2,546   |  
|Net Income                                                     |  | $                      | 7,237   |   |      | $ | 6,726   |      |  | $ | 7,240   |   |  | $    | 7,083   |   |  | $ | 6,649   |  
|                                                               |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|                                                               |  |                        |         |   |     
|Per Share Data:                                                |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Diluted earnings per share                                     |  |                        | 1.45    |   |      | $ | 1.37    |      |  | $ | 1.48    |   |  | $    | 1.46    |   |  | $ | 1.36    |  
|Cash dividends                                                 |  |                        | 0.63    |   |      |   | 0.60    |      |  |   | 0.60    |   |  |      | 0.57    |   |  |   | 0.54    |  
|Book value at period end                                       |  |                        | 14.43   |   |      |   | 12.61   |      |  |   | 12.24   |   |  |      | 11.62   |   |  |   | 10.79   |  
|                                                               |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|                                                               |  |                        |         |   |     
|Balance Sheet Data:                                            |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Assets                                                         |  | $                      | 851,398 |   |      | $ | 763,926 |      |  | $ | 696,327 |   |  | $    | 677,482 |   |  | $ | 540,290 |  
|Loans, net of unearned income                                  |  |                        | 650,492 |   |      |   | 574,085 |      |  |   | 512,550 |   |  |      | 486,750 |   |  |   | 399,134 |  
|Securities                                                     |  |                        | 127,167 |   |      |   | 135,420 |      |  |   | 133,693 |   |  |      | 141,427 |   |  |   | 102,210 |  
|Deposits                                                       |  |                        | 653,979 |   |      |   | 628,343 |      |  |   | 589,878 |   |  |      | 581,149 |   |  |   | 469,117 |  
|Shareholders equity                                           |  |                        | 87,807  |   |      |   | 61,874  |      |  |   | 59,763  |   |  |      | 56,556  |   |  |   | 52,403  |  
|Average shares outstanding, basic                              |  |                        | 4,985   |   |      |   | 4,893   |      |  |   | 4,873   |   |  |      | 4,858   |   |  |   | 4,884   |  
|Average shares outstanding, diluted                            |  |                        | 4,992   |   |      |   | 4,902   |      |  |   | 4,883   |   |  |      | 4,868   |   |  |   | 4,887   |  
|                                                               |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|                                                               |  |                        |         |   |     
|Performance Ratios                                             |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Return on average assets                                       |  |                        | 0.91    | % |      |   | 0.93    | %    |  |   | 1.05    | % |  |      | 1.21    | % |  |   | 1.33    | %
|Return on average equity                                       |  |                        | 11.10   | % |      |   | 11.05   | %    |  |   | 12.42   | % |  |      | 12.96   | % |  |   | 13.33   | %
|Dividend payout                                                |  |                        | 42.81   | % |      |   | 43.63   | %    |  |   | 40.37   | % |  |      | 39.08   | % |  |   | 39.66   | %
|Efficiency(1)                                                  |  |                        | 69.18   | % |      |   | 70.36   | %    |  |   | 65.70   | % |  |      | 60.57   | % |  |   | 56.05   | %
|Average equity to average assets                               |  |                        | 10.61   | % |      |   | 8.38    | %    |  |   | 8.43    | % |  |      | 9.30    | % |  |   | 9.97    | %
|                                                               |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|                                                               |  |                        |         |   |     
|Asset Quality Ratios:                                          |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Allowance for loan losses to period end loans                  |  |                        | 1.08    | % |      |   | 1.15    | %    |  |   | 1.30    | % |  |      | 1.33    | % |  |   | 1.44    | %
|Allowance for loan losses to nonaccrual loans                  |  |                        | 503.52  | % |      |   | 746.72  | %    |  |   | 207.54  | % |  |      | 158.69  | % |  |   | 177.41  | %
|Nonperforming assets to period end loans and other real estate |  |                        | 0.45    | % |      |   | 0.44    | %    |  |   | 0.94    | % |  |      | 0.84    | % |  |   | 0.86    | %
|Net charge-offs to average loans                               |  |                        | 0.04    | % |      |   | 0.12    | %    |  |   | 0.22    | % |  |      | 0.21    | % |  |   | 0.26    | %
|                                                               |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|                                                               |  |                        |         |   |     
|Capital and Liquidity Ratios:                                  |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Leverage                                                       |  |                        | 11.57   | % |      |   | 8.87    | %    |  |   | 8.90    | % |  |      | 8.54    | % |  |   | 9.39    | %
|Risk-based capital ratios:                                     |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Tier 1 capital                                                 |  |                        | 15.04   | % |      |   | 12.04   | %    |  |   | 12.61   | % |  |      | 12.41   | % |  |   | 13.86   | %
|Total capital                                                  |  |                        | 16.15   | % |      |   | 13.23   | %    |  |   | 13.86   | % |  |      | 13.67   | % |  |   | 15.11   | %
|Average loans to average deposits(2)                           |  |                        | 97.80   | % |      |   | 88.86   | %    |  |   | 79.59   | % |  |      | 81.91   | % |  |   | 85.23   | %
|                                                               |  |                        |         |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  

---

|Note: | (1) Efficiency ratio is computed by dividing non-interest expense by the sum of net-interest income on a tax equivalent basis and non-interest income, net of securities gains or
losses.
|----- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(2) Average deposits in the average loans to average deposits calculation includes long-term debt.

2006 Annual Report