Exhibit 13.2

SELECTED FINANCIAL DATA



|                                                               |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|-------------------------------------------------------------- |  | ---------------------- | --------- | - | ---- | - | ------- | ---- |  | - | ------- | - |  | ---- | ------- | - |  | - | ------- | -
|                                                               |  | Year Ended December 31 |          
|(in thousands except ratios and per share amounts)             |  | 2008                   |           |   | 2007 |   |         | 2006 |  |   | 2005    |   |  | 2004 |        
|Income Statement Data:                                         |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Interest income                                                |  | $                      | 59,386    |   |      | $ | 58,201  |      |  | $ | 51,016  |   |  | $    | 43,229  |   |  | $ | 39,744  |  
|Interest expense                                               |  |                        | 26,809    |   |      |   | 24,962  |      |  |   | 19,444  |   |  |      | 13,198  |   |  |   | 10,770  |  
|                                                               |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Net interest income                                            |  |                        | 32,577    |   |      |   | 33,239  |      |  |   | 31,572  |   |  |      | 30,031  |   |  |   | 28,974  |  
|Provision for loan losses                                      |  |                        | 4,025     |   |      |   | 1,238   |      |  |   | 725     |   |  |      | 552     |   |  |   | 1,279   |  
|                                                               |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Net interest income after provision for loan losses            |  |                        | 28,552    |   |      |   | 32,001  |      |  |   | 30,847  |   |  |      | 29,479  |   |  |   | 27,695  |  
|Noninterest income                                             |  |                        | 6,531     |   |      |   | 6,096   |      |  |   | 5,129   |   |  |      | 4,503   |   |  |   | 4,221   |  
|Securities gains (losses)                                      |  |                        | 44        |   |      |   | 14      |      |  |   | 36      |   |  |      | 224     |   |  |   | 303     |  
|Impairment on securities                                       |  |                        | (4,933    | ) |      |   |        |      |  |   |        |   |  |      |        |   |  |   |        |  
|Actuarial gain on pension curtailment                          |  |                        | 1,328     |   |      |   |        |      |  |   |        |   |  |      |        |   |  |   |        |  
|Noninterest expense                                            |  |                        | 27,945    |   |      |   | 25,874  |      |  |   | 25,819  |   |  |      | 24,893  |   |  |   | 22,348  |  
|                                                               |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Income before income taxes                                     |  |                        | 3,577     |   |      |   | 12,237  |      |  |   | 10,193  |   |  |      | 9,313   |   |  |   | 9,871   |  
|Income taxes                                                   |  |                        | 506       |   |      |   | 3,483   |      |  |   | 2,956   |   |  |      | 2,587   |   |  |   | 2,631   |  
|                                                               |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Net Income                                                     |  | $                      | 3,071     |   |      | $ | 8,754   |      |  | $ | 7,237   |   |  | $    | 6,726   |   |  | $ | 7,240   |  
|                                                               |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|                                                               |  |                        |           |   |     
|Per Share Data:                                                |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Diluted earnings per share                                     |  |                        | 0.52      |   |      |   | 1.45    |      |  |   | 1.45    |   |  | $    | 1.37    |   |  | $ | 1.48    |  
|Cash dividends                                                 |  |                        | 0.64      |   |      |   | 0.64    |      |  |   | 0.63    |   |  |      | 0.60    |   |  |   | 0.60    |  
|Book value at period end                                       |  |                        | 13.23     |   |      |   | 15.30   |      |  |   | 14.43   |   |  |      | 12.61   |   |  |   | 12.24   |  
|                                                               |  |                        |           |   |     
|Balance Sheet Data:                                            |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Assets                                                         |  | $                      | 1,051,363 |   |      | $ | 926,711 |      |  | $ | 851,398 |   |  | $    | 763,926 |   |  | $ | 696,327 |  
|Loans, net of unearned income                                  |  |                        | 819,266   |   |      |   | 708,817 |      |  |   | 650,492 |   |  |      | 574,085 |   |  |   | 512,550 |  
|Securities                                                     |  |                        | 161,879   |   |      |   | 160,865 |      |  |   | 127,167 |   |  |      | 135,420 |   |  |   | 133,693 |  
|Deposits                                                       |  |                        | 813,533   |   |      |   | 671,900 |      |  |   | 653,979 |   |  |      | 628,343 |   |  |   | 589,878 |  
|Shareholders equity                                           |  |                        | 78,029    |   |      |   | 90,769  |      |  |   | 87,807  |   |  |      | 61,874  |   |  |   | 59,763  |  
|Average shares outstanding, basic                              |  |                        | 5,889     |   |      |   | 6,035   |      |  |   | 4,985   |   |  |      | 4,893   |   |  |   | 4,873   |  
|Average shares outstanding, diluted                            |  |                        | 5,890     |   |      |   | 6,040   |      |  |   | 4,992   |   |  |      | 4,902   |   |  |   | 4,883   |  
|                                                               |  |                        |           |   |     
|Performance Ratios:                                            |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Return on average assets                                       |  |                        | 0.31      | % |      |   | 0.99    | %    |  |   | 0.91    | % |  |      | 0.93    | % |  |   | 1.05    | %
|Return on average equity                                       |  |                        | 3.55      | % |      |   | 9.75    | %    |  |   | 11.10   | % |  |      | 11.05   | % |  |   | 12.42   | %
|Dividend payout                                                |  |                        | 123.02    | % |      |   | 44.19   | %    |  |   | 42.81   | % |  |      | 43.63   | % |  |   | 40.37   | %
|Efficiency(1)                                                  |  |                        | 70.15     | % |      |   | 64.75   | %    |  |   | 69.18   | % |  |      | 70.36   | % |  |   | 65.70   | %
|Average equity to average assets                               |  |                        | 8.69      | % |      |   | 10.14   | %    |  |   | 10.61   | % |  |      | 8.38    | % |  |   | 8.43    | %
|                                                               |  |                        |           |   |     
|Asset Quality Ratios:                                          |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Allowance for loan losses to period end loans                  |  |                        | 1.29      | % |      |   | 1.11    | %    |  |   | 1.08    | % |  |      | 1.15    | % |  |   | 1.30    | %
|Allowance for loan losses to nonaccrual loans                  |  |                        | 77.66     | % |      |   | 544.47  | %    |  |   | 503.52  | % |  |      | 746.72  | % |  |   | 207.54  | %
|Nonperforming assets to period end loans and other real estate |  |                        | 2.04      | % |      |   | 0.40    | %    |  |   | 0.45    | % |  |      | 0.44    | % |  |   | 0.94    | %
|Net charge-offs to average loans                               |  |                        | 0.24      | % |      |   | 0.06    | %    |  |   | 0.04    | % |  |      | 0.12    | % |  |   | 0.22    | %
|                                                               |  |                        |           |   |     
|Capital and Liquidity Ratios:                                  |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Leverage                                                       |  |                        | 8.62      | % |      |   | 10.80   | %    |  |   | 11.57   | % |  |      | 8.87    | % |  |   | 8.90    | %
|Risk-based capital ratios:                                     |  |                        |           |   |      |   |         |      |  |   |         |   |  |      |         |   |  |   |         |  
|Tier 1 capital                                                 |  |                        | 10.51     | % |      |   | 13.82   | %    |  |   | 15.04   | % |  |      | 12.04   | % |  |   | 12.61   | %
|Total capital                                                  |  |                        | 11.56     | % |      |   | 14.75   | %    |  |   | 16.15   | % |  |      | 13.23   | % |  |   | 13.86   | %
|Average loans to average deposits(2)                           |  |                        | 86.15     | % |      |   | 87.20   | %    |  |   | 84.67   | % |  |      | 79.59   | % |  |   | 81.91   | %



|      |  |                                                                                                                                                                                                     
|----- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Note: |  | (1)      Efficiency ratio is computed by dividing non-interest expense by the sum of net-interest income on a
tax equivalent  basis and core non-interest income, net of securities gains or losses.
|      |  | (2)      Average deposits in the average loans to average deposits calculation includes long-term
debt.