| Delaware                                      |            31-1557791            |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------|
| (State or other jurisdiction of                                                                                                                                                                                                        | (I.R.S. Employer                                                                                                                          |
| incorporation or organization)                                                                                                                                                                                                         | Identification Number)                                                                                                                    |
|                                                                                                                                                                                                                                   |                                                                                                                                      |
| 151 North Market Street                                                                                                                                                                                                                |                                                                                                                                      |
| Wooster, Ohio                                                                                        |            44691                      |
| (Address of principal                                                                                                                                                                                                                  | (Zip Code)                                                                                                                                |
| executive office)                                                                                                                                                                                                                      |                                                                                                                                      |

----

|                                 |                                                                                        | Page     |
|--------------------------------------|---------------------------------------------------------------------------------------------|----------|
|                                 |                                                                                        |     |
| PART I - FINANCIAL INFORMATION  |                                                                                        |
|                                 |                                                                                        |     |
| Item 1                          | Condensed Consolidated Balance Sheets                                                  | 2   |
|                                 | Condensed Consolidated Statements of Income                                            | 3   |
|                                 | Condensed Consolidated Statements of Comprehensive Income                              | 4   |
|                                 | Condensed Consolidated Statements of Cash Flows                                        | 5   |
|                                 | Notes to Condensed Consolidated Financial Statements                                   | 7   |
|                                 |                                                                                        |     |
| Item 2                     | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 25       |
|                                 |                                                                                        |     |
| Item 3                          | Quantitative and Qualitative Disclosures About Market Risk                             | 39  |
|                                 |                                                                                        |     |
| Item 4T               | Controls and Procedures                                                                | 39  |
|                                 |                                                                                        |     |
|                                 |                                                                                        |     |
| PART II - OTHER INFORMATION     |                                                                                        |
|                                 |                                                                                        |     |
| Item 1                          | Legal Proceedings                                                                      | 40  |
|                                 |                                                                                        |     |
| Item 1A                    | Risk Factors                                                                           | 40  |
|                                 |                                                                                        |     |
| Item 2                          | Unregistered Sales of Equity Securities and Use of Proceeds                            | 40  |
|                                 |                                                                                        |     |
| Item 3                          | Defaults Upon Senior Securities                                                        | 40  |
|                                 |                                                                                        |     |
| Item 4                          | Submission of Matters to a Vote of Security Holders                                    | 40  |
|                                 |                                                                                        |     |
| Item 5                          | Other Information                                                                      | 40  |
|                                 |                                                                                        |     |
| Item 6                          | Exhibits                                                                               | 41  |
|                                 |                                                                                        |     |
| SIGNATURES                      | 42                                                                                     |

----

|                                                                                                                                                   |   | December 31, 2009 |    |   | March 31, 2009 |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------------|---------|--------|----------------|--------|
|                                                                                                                                                   |   | (Unaudited)       |    |   |           |   |
| ASSETS                                                                                                                                                 |   |              |    |   |           |   |
| Cash and due from banks                                                                                                                                |   | $                 | 9,132   |   |           | $      | 2,935 |   |
| Interest-bearing demand deposits                                                                                                                       |   |              | 4,487   |   |           |   | 3,855 |   |
| Cash and cash equivalents                                                                                                                              |   |              | 13,619  |   |           |   | 6,790 |   |
| Available-for-sale securities                                                                                                                          |   |              | 112,144 |   |           |   | 117,733 |   |
| Held-to-maturity securities                                                                                                                            |   |              | 755     |   |           |   | 952 |   |
| Loans receivable – net of allowance for loan losses of $3,028 and $2,484 at    December 31, 2009 and March 31, 2009, respectively |   |              | 250,574 |   |           |   | 254,326 |   |
| Premises and equipment                                                                                                                                 |   |              | 7,413   |   |           |   | 7,553 |   |
| Federal Home Loan Bank stock                                                                                                                           |   |              | 5,025   |   |           |   | 5,025 |   |
| Foreclosed assets held for sale  -  net                                                                                            |   |              | 786     |   |           |   | 594 |   |
| Accrued interest receivable                                                                                                                            |   |              | 1,426   |   |           |   | 1,675 |   |
| Bank-owned life insurance                                                                                                                              |   |              | 6,693   |   |           |   | 6,508 |   |
| Goodwill                                                                                                                                               |   |              | 1,719   |   |           |   | 1,719 |   |
| Other intangible assets                                                                                                                                |   |              | 400     |   |           |   | 471 |   |
| Other assets                                                                                                                                           |   |              | 2,705   |   |           |   | 1,048 |   |
| Prepaid federal income taxes                                                                                                                           |   |              | 4       |   |           |   | 27 |   |
| Total assets                                                                                                                                           |   | $                 | 403,263 |   |           | $      | 404,421 |   |
|                                                                                                                                                   |   |              |    |   |           |   |   |   |
|                                                                                                                                                   |   |              |    |   |           |   |   |   |
| LIABILITIES AND STOCKHOLDERS’ EQUITY                                                                                                             |   |              |    |   |           |   |   |   |
|     Liabilities                                                                                                                    |   |              |    |   |           |   |   |   |
|       Deposits                                                                                                           |   |              |    |   |           |   |   |   |
|   Demand                                                                                                                                     |   | $                 | 58,870  |   |           | $      | 53,085 |   |
|   Savings and money market                                                                                                                   |   |              | 92,416  |   |           |   | 83,759 |   |
|   Time                                                                                                                                       |   |              | 157,748 |   |           |   | 172,690 |   |
| Total deposits                                                                                                                                         |   |              | 309,034 |   |           |   | 309,534 |   |
| Other short term borrowings                                                                                                                            |   |              | 7,776   |   |           |   | 10,154 |   |
| Federal Home Loan Bank advances                                                                                                                        |   |              | 45,500  |   |           |   | 46,000 |   |
| Accrued interest payable and other liabilities                                                                                                         |   |              | 3,071   |   |           |   | 3,237 |   |
| Deferred federal income taxes                                                                                                                          |   |              | 1,261   |   |           |   | 1,083 |   |
| Total liabilities                                                                                                                                      |   |              | 366,642 |   |           |   | 370,008 |   |
|                                                                                                                                                   |   |              |    |   |           |   |   |   |
| Commitments and Contingencies                                                                                                                          |   |              | – |   |           |   | – |   |
|                                                                                                                                                   |   |              |    |   |           |   |   |   |
| Stockholders’ Equity                                                                                                                             |   |              |    |   |           |   |   |   |
| Preferred stock, 500,000 shares of $.10 par value authorized; no shares issued                                                                         |   |              | – |   |           |   | – |   |
| Common stock, $.10 par value; authorized 9,000,000 shares;     3,978,731 shares issued                                        |   |              | 398     |   |           |   | 398 |   |
| Additional paid-in capital                                                                                                                             |   |              | 36,013  |   |           |   | 36,028 |   |
| Retained earnings                                                                                                                                      |   |              | 14,094  |   |           |   | 12,726 |   |
| Shares acquired by ESOP                                                                                                                                |   |              | (828    | )      |           |   | (899 | ) |
| Accumulated other comprehensive income, net of tax effects                                                                                             |   |              | 1,474   |   |           |   | 690 |   |
| Treasury stock, at cost - 974,618 common shares                                                                                                        |   |              | (14,530 | )      |           |   | (14,530 | ) |
| Total stockholders’ equity                                                                                                                       |   |              | 36,621  |   |           |   | 34,413 |   |
| Total liabilities and stockholders’ equity                                                                                                       |   | $                 | 403,263 |   |           | $      | 404,421 |   |
|                                                                                                                                                   |   |              |    |   |           |   |   |   |

----

|                                     |   | Nine months  |   |   | Three months |   |
|--------------------------------------------------------------|--------|--------------|--------|--------|--------------|--------|
|                                                         |   | ended        |   |   | ended        |   |
|                                                         |   | December 31, |   |   | December 31, |   |
|                                                         |   | 2009         |   |   | 2008         |   |   | 2009 |   |   | 2008 |   |
| Interest and Dividend Income                                 |   |         |   |   |         |   |   |   |   |   |   |   |
| Loans                                                        |   | $            | 10,895 |   |         | $      | 11,608 |   |   | $ | 3,581 |   |   | $ | 3,927 |   |
| Securities                                                   |   |         | 4,132  |   |         |   | 4,428 |   |   |   | 1,351 |   |   |   | 1,416 |   |
| Dividends on Federal Home Loan Bank stock and other          |   |         | 179    |   |         |   | 236 |   |   |   | 57 |   |   |   | 65 |   |
| Total interest and dividend income                           |   |         | 15,206 |   |         |   | 16,272 |   |   |   | 4,989 |   |   |   | 5,408 |   |
| Interest Expense                                             |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                     |   |         | 3,720  |   |         |   | 5,788 |   |   |   | 1,099 |   |   |   | 1,798 |   |
| Other short term borrowings                                  |   |         | 26     |   |         |   | 57 |   |   |   | 7 |   |   |   | 13 |   |
| Federal Home Loan Bank advances                              |   |         | 1,438  |   |         |   | 1,414 |   |   |   | 443 |   |   |   | 479 |   |
| Total interest expense                                       |   |         | 5,184  |   |         |   | 7,259 |   |   |   | 1,549 |   |   |   | 2,290 |   |
|                                                         |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Net Interest Income                                          |   |         | 10,022 |   |         |   | 9,013 |   |   |   | 3,440 |   |   |   | 3,118 |   |
|                                                         |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Provision for Loan Losses                                    |   |         | 1,115  |   |         |   | 346 |   |   |   | 570 |   |   |   | 185 |   |
|                                                         |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Net Interest Income After Provision for Loan Losses          |   |         | 8,907  |   |         |   | 8,667 |   |   |   | 2,870 |   |   |   | 2,933 |   |
|                                                         |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest Income                                           |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Gain on disposal of real estate acquired through foreclosure |   |         | -      |   |         |   | 10 |   |   |   | - |   |   |   | - |   |
| Gain on sale of available-for-sale securities                |   |         | 91     |   |         |   | - |   |   |   | 91 |   |   |   | - |   |
| Gain on sale of loans                                        |   |         | 161    |   |         |   | - |   |   |   | 48 |   |   |   | - |   |
| Trust income                                                 |   |         | 142    |   |         |   | 137 |   |   |   | 53 |   |   |   | 46 |   |
| Earnings on bank-owned life insurance                        |   |         | 173    |   |         |   | 167 |   |   |   | 58 |   |   |   | 55 |   |
| Service fees, charges and other operating                    |   |         | 1,030  |   |         |   | 996 |   |   |   | 334 |   |   |   | 320 |   |
| Total noninterest income                                     |   |         | 1,597  |   |         |   | 1,310 |   |   |   | 584 |   |   |   | 421 |   |
| Noninterest Expense                                          |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Salary and employee benefits                                 |   |         | 4,352  |   |         |   | 4,208 |   |   |   | 1,480 |   |   |   | 1,430 |   |
| Net occupancy and equipment expense                          |   |         | 1,378  |   |         |   | 1,528 |   |   |   | 440 |   |   |   | 505 |   |
| Federal deposit insurance premiums                           |   |         | 579    |   |         |   | 35 |   |   |   | 122 |   |   |   | 13 |   |
| Franchise taxes                                              |   |         | 263    |   |         |   | 349 |   |   |   | 87 |   |   |   | 128 |   |
| Losses on real estate acquired through foreclosure           |   |         | 91     |   |         |   | - |   |   |   | 30 |   |   |   | - |   |
| Loss on disposal of premises and equipment                   |   |         | 4      |   |         |   | - |   |   |   | - |   |   |   | - |   |
| Amortization of intangible assets                            |   |         | 71     |   |         |   | 80 |   |   |   | 23 |   |   |   | 27 |   |
| Other                                                        |   |         | 1,425  |   |         |   | 1,468 |   |   |   | 472 |   |   |   | 465 |   |
| Total noninterest expense                                    |   |         | 8,163  |   |         |   | 7,668 |   |   |   | 2,654 |   |   |   | 2,568 |   |
|                                                         |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Income Before Federal Income Taxes                           |   |         | 2,341  |   |         |   | 2,309 |   |   |   | 800 |   |   |   | 786 |   |
|                                                         |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Provision for Federal Income Taxes                           |   |         | 522    |   |         |   | 593 |   |   |   | 165 |   |   |   | 202 |   |
|                                                         |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Net Income                                                   |   | $            | 1,819  |   |         | $      | 1,716 |   |   | $ | 635 |   |   | $ | 584 |   |
|                                                         |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Basic Earnings Per Share                                     |   | $            | .62    |   |         | $      | .59 |   |   | $ | .21 |   |   | $ | .20 |   |
| Diluted Earnings Per Share                                   |   | $            | .62    |   |         | $      | .59 |   |   | $ | .21 |   |   | $ | .20 |   |
| Dividends Per Share                                          |   | $            | .15    |   |         | $      | .36 |   |   | $ | .05 |   |   | $ | .12 |   |

----

|                                                            |   | Nine months  |   |   | Three months |   |
|-----------------------------------------------------------------|--------|--------------|--------|--------|--------------|--------|
|                                                            |   | ended        |   |   | ended        |   |
|                                                            |   | December 31, |   |   | December 31, |   |
|                                                            |   | 2009         |   |   | 2008         |   |   | 2009 |   |   | 2008 |   |
|                                                            |   |         |   |   |         |   |   |   |   |   |   |   |
| Net income                                                      |   | $            | 1,819  |   |         | $      | 1,716 |   |   | $ | 635 |   |   | $ | 584 |   |
|                                                            |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Other comprehensive income (loss):                              |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Unrealized holding gains (losses) on securities, net of related |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| taxes (benefits) of $435, $(142), $(180) and $585 during the    |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| respective periods                                              |   |         | 844    |   |         |   | (276 | ) |   |   | (349 | ) |   |   | 1,135 |   |
| Reclassification adjustment for realized gains included in      |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| income, net of related taxes of $31, $0, $31 and $0 during      |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| the respective periods                                          |   |         | (60    | )      |         |   | – |   |   |   | (60 | ) |   |   | – |   |
|                                                            |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
|                                                            |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
|                                                            |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive income                                            |   | $            | 2,603  |   |         | $      | 1,440 |   |   | $ | 226 |   |   | $ | 1,719 |   |
|                                                            |   |         |   |   |         |   |   |   |   |   |   |   |   |   |   |   |
| Accumulated other comprehensive income                          |   | $            | 1,474  |   |         | $      | 431 |   |   | $ | 1,474 |   |   | $ | 431 |   |

----

|                                                                         |   | 2009   |    |   | 2008   |   |
|------------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|
|                                                                         |   |   |    |   |   |   |
| Operating Activities                                                         |   |   |    |   |   |   |
| Net income                                                                   |   | $      | 1,819   |   |   | $      | 1,716 |   |
| Items not requiring (providing) cash                                         |   |   |    |   |   |   |   |   |
| Depreciation and amortization                                                |   |   | 438     |   |   |   | 500 |   |
| Provision for loan losses                                                    |   |   | 1,115   |   |   |   | 346 |   |
| Amortization of premiums and discounts on securities                         |   |   | (120    | )      |   |   | (76 | ) |
| Amortization of mortgage servicing rights                                    |   |   | 29      |   |   |   | 19 |   |
| Amortization of deferred loan origination fees                               |   |   | (71     | )      |   |   | (29 | ) |
| Amortization of intangible assets                                       |   |   | 71      |   |   |   | 80 |   |
| Federal Home Loan Bank stock dividends                                       |   |   | – |   |   |   | (133 | ) |
| Increase in value of bank owned life insurance                               |   |   | (185    | )      |   |   | (181 | ) |
| Amortization expense of stock benefit plan                                   |   |   | 40      |   |   |   | 86 |   |
| Loss on real estate acquired through foreclosure                             |   |   | 91      |   |   |   | – |   |
| Net gain on sale of loans                                                    |   |   | (161    | )      |   |   | – |   |
| Net gain on sale of available-for-sale securities                            |   |   | (91     | )      |   |   | – |   |
| Proceeds from sale of loans in secondary market                              |   |   | 5,406   |   |   |   | – |   |
| Origination of loans for sale in the secondary market                        |   |   | (5,323  | )      |   |   | – |   |
| Deferred income taxes                                                        |   |   | (225    | )      |   |   | (75 | ) |
| Changes in                                                                   |   |   |    |   |   |   |   |   |
| Accrued interest receivable                                                  |   |   | 249     |   |   |   | 158 |   |
| Other assets                                                                 |   |   | (1,663  | )      |   |   | 797 |   |
| Interest payable and other liabilities                                       |   |   | (519    | )      |   |   | (73 | ) |
| Net cash provided by operating activities                                    |   |   | 900     |   |   |   | 3,135 |   |
|                                                                         |   |   |    |   |   |   |   |   |
| Investing Activities                                                         |   |   |    |   |   |   |   |   |
| Purchase of  available-for-sale securities                         |   |   | (24,819 | )      |   |   | (18,466 | ) |
| Proceeds from maturities of available-for-sale securities                    |   |   | 27,230  |   |   |   | 24,161 |   |
| Proceeds from maturities of held-to-maturity securities                      |   |   | 195     |   |   |   | 247 |   |
| Proceeds from sale of investment securities designated as available-for-sale |   |   | 4,579   |   |   |   | – |   |
| Net change in loans                                                          |   |   | 1,986   |   |   |   | (13,980 | ) |
| Purchase of premises and equipment                                           |   |   | (298    | )      |   |   | (168 | ) |
| Proceeds from the sale of foreclosed assets                                  |   |   | 517     |   |   |   | 154 |   |
| Net cash provided by (used in) investing activities                          |   |   | 9,390   |   |   |   | (8,052 | ) |
|                                                                         |   |   |    |   |   |   |   |   |

----

|                                                                                  |   | 2009   |    |   | 2008   |   |
|---------------------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|
|                                                                                  |   |   |    |
|                                                                                  |   |   |    |   |   |   |
| Financing Activities                                                                  |   |   |    |   |   |   |
| Net change in deposits                                                                |   | $      | (500    | )      |   | $      | (6,920 | ) |
| Net change in other short-term borrowings                                             |   |   | (2,378  | )      |   |   | 4,305 |   |
| Proceeds from Federal Home Loan Bank advances                                         |   |   | 20,300  |   |   |   | 59,310 |   |
| Repayments of Federal Home Loan Bank advances                                         |   |   | (20,800 | )      |   |   | (53,310 | ) |
| Advances by borrowers for taxes and insurance                                         |   |   | 353     |   |   |   | 261 |   |
| Cash dividends paid                                                                   |   |   | (436    | )      |   |   | (1,046 | ) |
| Treasury stock purchases                                                              |   |   | – |   |   |   | (49 | ) |
| Net cash provided by (used in) financing activities                                   |   |   | (3,461  | )      |   |   | 2,551 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Increase (Decrease) in Cash and Cash Equivalents                                      |   |   | 6,829   |   |   |   | (2,366 | ) |
|                                                                                  |   |   |    |   |   |   |   |   |
| Cash and Cash equivalents, Beginning of period                                        |   |   | 6,790   |   |   |   | 13,063 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Cash and Cash equivalents, End of period                                              |   | $      | 13,619  |   |   | $      | 10,697 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Supplemental Cash Flows Information      Cash Paid For: |   |   |    |   |   |   |   |   |
| Interest on deposits and borrowings                                                   |   | $      | 5,333   |   |   | $      | 7,374 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Federal income taxes                                                                  |   | $      | 725     |   |   | $      | 525 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Supplemental Disclosure of Non-Cash Investing and Financing Activities                |   |   |    |   |   |   |   |   |
| Transfers from loans to foreclosed assets held for sale                               |   | $      | 800     |   |   | $      | 797 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Unrealized gains (losses) on securities designated as available for sale,             |   |   |    |   |   |   |   |   |
|     net of related tax effects                                    |   | $      | 844     |   |   | $      | (276 | ) |
|                                                                                  |   |   |    |   |   |   |   |   |
| Dividends payable                                                                     |   | $      | 150     |   |   | $      | 360 |   |

----

| Note 1: | Basis of Presentation |
|---------|-----------------------|

| Note 2: | Principles of Consolidation |
|---------|-----------------------------|

----

| Note 3: | Earnings Per Share |
|---------|--------------------|

|                                           |   | For the nine months ended |      |   | For the three months ended |   |
|------------------------------------------------|--------|---------------------------|-----------|--------|----------------------------|--------|
|                                      |   | December 31,              |      |   | December 31,               |   |
|                                 |   | 2009                      |      |   | 2008                       |   |   | 2009 |   |   | 2008 |   |
|                                           |   |                      |      |   |                       |   |   |   |   |   |   |   |
| Weighted-average common shares                 |   |                      |      |   |                       |   |   |   |   |   |   |   |
|   outstanding (basic)      |   |                      | 2,911,990 |   |                       |   | 2,903,599 |   |   |   | 2,912,056 |   |   |   | 2,902,525 |   |
| Dilutive effect of assumed exercise            |   |                      |      |   |                       |   |   |   |   |   |   |   |   |   |   |   |
|   of stock options    |   |                      | -         |   |                       |   | - |   |   |   | - |   |   |   | - |   |
| Weighted-average common shares                 |   |                      |      |   |                       |   |   |   |   |   |   |   |   |   |   |   |
|   outstanding (diluted)    |   |                      | 2,911,990 |   |                       |   | 2,903,599 |   |   |   | 2,912,056 |   |   |   | 2,902,525 |   |

| Note 4: | Stock Option Plan |
|---------|-------------------|

----

|                               |   | Nine months endedDecember 31, |               |   | Year ended March 31,    |   |
|------------------------------------|--------|-------------------------------|--------------------|--------|------------------------------|--------|
|                               |   | 2009                          |               |   | 2009                         |   |   | 2008 |   |
|                               |   |   Shares            |               |   | WeightedAverageexerciseprice |   |   |   Shares |   |   | WeightedAverageexerciseprice |   |   |   Shares |   |   | WeightedAverageexerciseprice |   |
| Outstanding at beginning of period |   |                          | 94,020             |   |                         | $      | 13.95 |   |   |   | 104,224 |   |   | $ | 13.95 |   |   |   | 114,224 |   |   | $ | 13.95 |   |
| Granted                            |   |                          | –            |   |                         |   | – |   |   |   | – |   |   |   | – |   |   |   | – |   |   |   | – |   |
| Exercised                          |   |                          | –            |   |                         |   | – |   |   |   | – |   |   |   | – |   |   |   | – |   |   |   | – |   |
| Forfeited                          |   |                          | –            |   |                         |   |  – |   |   |   | (10,204 | ) |   |   | 13.95 |   |   |   | (10,000 | ) |   |   | 13.95 |   |
|                               |   |                          |               |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Outstanding at end of period       |   |                          |   94,020 |   |                         | $      | 13.95 |   |   |   |  94,020 |   |   | $ | 13.95 |   |   |   |  104,224 |   |   | $ | 13.95 |   |
|                               |   |                          |               |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Options exercisable at period-end  |   |                          |  94,020       |   |                         | $      | 13.95 |   |   |   |   94,020 |   |   | $ | 13.95 |   |   |   |  104,224 |   |   | $ | 13.95 |   |

| Number outstanding                                  |   | 94,020           |
|-----------------------------------------------------|--------|------------------|
| Exercise price on all remaining options outstanding |   | $13.95           |
| Weighted-average remaining contractual life    |   | 4.25 years  |

| Note 5: | Regulatory Matters |
|---------|--------------------|

----

|                    |   | Actual                 |   |   | For Capital AdequacyPurposes |   |   | To Be Well CapitalizedUnder Prompt CorrectiveAction Provisions |   |
|-------------------------|--------|------------------------|--------|--------|------------------------------|--------|--------|----------------------------------------------------------------|--------|
|                    |   | Amount                 |   |   | Ratio                        |   |   | Amount                                                         |   |   | Ratio |   |   | Amount |   |   | Ratio |   |
|                    |   | (Dollars in thousands) |   |
| As of December 31, 2009 |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |
| Tangible capital        |   | $                      | 32,060 |   |                         |   | 8.0    | %                                                              |   | $ | 5,980 |   |   |   | 1.5 | % |   | $ | 19,933 |   |   |   | 5.0 | % |
| Core capital            |   |                   | 32,060 |   |                         |   | 8.0    |                                                           |   |   | 15,946 |   |   |   | 4.0 |   |   |   | 23,919 |   |   |   | 6.0 |   |
| Risk-based capital      |   |                   | 34,164 |   |                         |   | 13.9   |                                                           |   |   | 19,669 |   |   |   | 8.0 |   |   |   | 24,586 |   |   |   | 10.0 |   |
|                    |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                    |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| As of March 31, 2009    |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tangible capital        |   | $                      | 30,525 |   |                         |   | 7.6    | %                                                              |   | $ | 6,018 |   |   |   | 1.5 | % |   | $ | 20,060 |   |   |   | 5.0 | % |
| Core capital            |   |                   | 30,525 |   |                         |   | 7.6    |                                                           |   |   | 16,048 |   |   |   | 4.0 |   |   |   | 24,072 |   |   |   | 6.0 |   |
| Risk-based capital      |   |                   | 32,341 |   |                         |   | 12.8   |                                                           |   |   | 20,212 |   |   |   | 8.0 |   |   |   | 25,265 |   |   |   | 10.0 |   |
|                    |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                    |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| As of December 31, 2008 |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tangible capital        |   | $                      | 30,629 |   |                         |   | 7.6    | %                                                              |   | $ | 6,037 |   |   |   | 1.5 | % |   | $ | 20,123 |   |   |   | 5.0 | % |
| Core capital            |   |                   | 30,629 |   |                         |   | 7.6    |                                                           |   |   | 16,098 |   |   |   | 4.0 |   |   |   | 24,148 |   |   |   | 6.0 |   |
| Risk-based capital      |   |                   | 32,279 |   |                         |   | 12.9   |                                                           |   |   | 19,976 |   |   |   | 8.0 |   |   |   | 24,970 |   |   |   | 10.0 |   |

----

| Note 6: | Recent Accounting Developments |
|---------|--------------------------------|

|   | · | Transaction costs and restructuring charges will now be expensed. |
|--------|--------|-------------------------------------------------------------------|

|   | · | The accounting for certain assets acquired and liabilities assumed will change significantly.  The most significant to the Company being that allowance for loan losses at acquisition date will be eliminated. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Contingent consideration will be measured at fair value until settled. |
|--------|--------|------------------------------------------------------------------------|

|   | · | Equity issued in an acquisition will be valued at the closing date, as opposed to the announcement date. |
|--------|--------|----------------------------------------------------------------------------------------------------------|

|   | · | Material adjustments made to the initial acquisition will be recorded back to the acquisition date. |
|--------|--------|-----------------------------------------------------------------------------------------------------|

----

----

----

| Note 7: | Subsequent Events |
|---------|-------------------|

----

| Note 8: | Securities |
|---------|------------|

|                                        |   | AmortizedCost  |    |   | GrossUnrealizedGains |   |   | GrossUnrealizedLosses |   |   | ApproximateFair Value |   |
|---------------------------------------------|--------|----------------|---------|--------|----------------------|--------|--------|-----------------------|--------|--------|-----------------------|--------|
|                                        |   | (In thousands) |    |
| Available-for-sale Securities:              |   |           |    |   |                 |   |   |                  |   |   |                  |   |
| December 31, 2009:                          |   |           |    |   |                 |   |   |                  |   |   |                  |   |
| U.S. government agencies                    |   | $              | 2,645   |   |                 | $      | 122    |                  |   | $      | 2                     |   |   | $ | 2,765 |   |
| Mortgage-backed securities                  |   |           | 86,078  |   |                 |   | 2,690  |                  |   |   | 195                   |   |   |   | 88,573 |   |
| State and political subdivisions            |   |           | 20,494  |   |                 |   | 448    |                  |   |   | 136                   |   |   |   | 20,806 |   |
|                                        |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
|                                        |   | $              | 109,217 |   |                 | $      | 3,260  |                  |   | $      | 333                   |   |   | $ | 112,144 |   |
|                                        |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
| March 31, 2009:                             |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
| U.S. government agencies                    |   | $              | 9,057   |   |                 | $      | 250    |                  |   | $      | 3                     |   |   | $ | 9,304 |   |
| Mortgage-backed securities                  |   |           | 86,557  |   |                 |   | 2,208  |                  |   |   | 651                   |   |   |   | 88,114 |   |
| State and political subdivisions            |   |           | 20,380  |   |                 |   | 442    |                  |   |   | 507                   |   |   |   | 20,315 |   |
|                                        |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
|                                        |   | $              | 115,994 |   |                 | $      | 2,900  |                  |   | $      | 1,161                 |   |   | $ | 117,733 |   |
|                                        |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
|      December 31, 2008: |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
| U.S. government agencies                    |   | $              | 7,170   |   |                 | $      | 111    |                  |   | $      | 3                     |   |   | $ | 7,278 |   |
| Mortgage-backed securities                  |   |           | 85,932  |   |                 |   | 1,621  |                  |   |   | 482                   |   |   |   | 87,071 |   |
| State and political subdivisions            |   |           | 19,883  |   |                 |   | 398    |                  |   |   | 495                   |   |   |   | 19,786 |   |
|                                        |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
|                                        |   | $              | 112,985 |   |                 | $      | 2,130  |                  |   | $      | 980                   |   |   | $ | 114,135 |   |

----

|                             |   | AmortizedCost  |   |   | GrossUnrealizedGains |   |    | GrossUnrealizedLosses |   |   | ApproximateFair Value |   |
|----------------------------------|--------|----------------|--------|--------|----------------------|--------|---------|-----------------------|--------|--------|-----------------------|--------|
|                             |   | (In thousands) |   |
| Held-to-maturity Securities:     |   |           |   |   |                 |   |    |                  |   |   |                  |   |
| December 31, 2009:               |   |           |   |   |                 |   |    |                  |   |   |                  |   |
| U.S. government agencies         |   | $              | 175    |   |                 | $      | – |                  |   | $      | 2                     |   |   | $ | 173 |   |
| Mortgage-backed securities       |   |           | 518    |   |                 |   | 8       |                  |   |   | –               |   |   |   | 526 |   |
| State and political subdivisions |   |           | 62     |   |                 |   | 5       |                  |   |   | –               |   |   |   | 67 |   |
|                             |   |           |   |   |                 |   |    |                  |   |   |                  |   |   |   |   |   |
|                             |   | $              | 755    |   |                 | $      | 13      |                  |   | $      | 2                     |   |   | $ | 766 |   |
|                             |   |           |   |   |                 |   |    |                  |   |   |                  |   |   |   |   |   |
| March 31, 2009:                  |   |           |   |   |                 |   |    |                  |   |   |                  |   |   |   |   |   |
| U.S. government agencies         |   | $              | 189    |   |                 | $      | – |                  |   | $      | 3                     |   |   | $ | 186 |   |
| Mortgage-backed securities       |   |           | 674    |   |                 |   | 4       |                  |   |   | 5                     |   |   |   | 673 |   |
| State and political subdivisions |   |           | 89     |   |                 |   | 5       |                  |   |   | –               |   |   |   | 94 |   |
|                             |   |           |   |   |                 |   |    |                  |   |   |                  |   |   |   |   |   |
|                             |   | $              | 952    |   |                 | $      | 9       |                  |   | $      | 8                     |   |   | $ | 953 |   |
| December 31, 2008:               |   |           |   |   |                 |   |    |                  |   |   |                  |   |   |   |   |   |
| U.S. government agencies         |   | $              | 191    |   |                 | $      | – |                  |   | $      | 3                     |   |   | $ | 188 |   |
| Mortgage-backed securities       |   |           | 710    |   |                 |   | 2       |                  |   |   | 11                    |   |   |   | 701 |   |
| State and political subdivisions |   |           | 90     |   |                 |   | 6       |                  |   |   | –               |   |   |   | 96 |   |
|                             |   |           |   |   |                 |   |    |                  |   |   |                  |   |   |   |   |   |
|                             |   | $              | 991    |   |                 | $      | 8       |                  |   | $      | 14                    |   |   | $ | 985 |   |

----

|             December 31, 2009 |   | Available-for-sale |    |   | Held-to-maturity |   |
|-------------------------------------------------------------------------------------------|--------|--------------------|---------|--------|------------------|--------|
|                                                                                      |   | AmortizedCost      |    |   | FairValue        |   |   | AmortizedCost |   |   | FairValue |   |
|                                                                                      |   | (In thousands)     |    |
|                                                                                      |   |               |    |   |             |   |   |   |   |   |   |   |
| One to five years                                                                         |   | $                  | 3,275   |   |             | $      | 3,405 |   |   | $ | 62 |   |   | $ | 67 |   |
| Five to ten years                                                                         |   |               | 4,354   |   |             |   | 4,502 |   |   |   | – |   |   |   | – |   |
| After ten years                                                                           |   |               | 15,510  |   |             |   | 15,664 |   |   |   | 175 |   |   |   | 173 |   |
|                                                                                      |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                      |   |               | 23,139  |   |             |   | 23,571 |   |   |   | 237 |   |   |   | 240 |   |
|                                                                                      |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities                                                                |   |               | 86,078  |   |             |   | 88,573 |   |   |   | 518 |   |   |   | 526 |   |
|                                                                                      |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Totals                                                                                    |   | $                  | 109,217 |   |             | $      | 112,144 |   |   | $ | 755 |   |   | $ | 766 |   |

|             March 31, 2009 |   | Available-for-sale |    |   | Held-to-maturity |   |
|----------------------------------------------------------------------------------------|--------|--------------------|---------|--------|------------------|--------|
|                                                                                   |   | AmortizedCost      |    |   | FairValue        |   |   | AmortizedCost |   |   | FairValue |   |
|                                                                                   |   | (In thousands)     |    |
|                                                                                   |   |               |    |   |             |   |   |   |   |   |   |   |
| Within one year                                                                        |   | $                  | 2,000   |   |             | $      | 2,004 |   |   | $ | – |   |   | $ | – |   |
| One to five years                                                                      |   |               | 3,669   |   |             |   | 3,777 |   |   |   | 89 |   |   |   | 95 |   |
| Five to ten years                                                                      |   |               | 4,270   |   |             |   | 4,327 |   |   |   | – |   |   |   | – |   |
| After ten years                                                                        |   |               | 19,498  |   |             |   | 19,511 |   |   |   | 189 |   |   |   | 185 |   |
|                                                                                   |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                   |   |               | 29,437  |   |             |   | 29,619 |   |   |   | 278 |   |   |   | 280 |   |
|                                                                                   |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities                                                             |   |               | 86,557  |   |             |   | 88,114 |   |   |   | 674 |   |   |   | 673 |   |
|                                                                                   |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Totals                                                                                 |   | $                  | 115,994 |   |             | $      | 117,733 |   |   | $ | 952 |   |   | $ | 953 |   |

----

| December 31, 2008          |   | Available-for-sale |    |   | Held-to-maturity |   |
|----------------------------|--------|--------------------|---------|--------|------------------|--------|
|                       |   | AmortizedCost      |    |   | FairValue        |   |   | AmortizedCost |   |   | FairValue |   |
|                       |   | (In thousands)     |    |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |
| Within one year            |   | $                  | 1,999   |   |             | $      | 2,018 |   |   | $ | – |   |   | $ | – |   |
| One to five years          |   |               | 3,779   |   |             |   | 3,867 |   |   |   | 90 |   |   |   | 96 |   |
| Five to ten years          |   |               | 4,260   |   |             |   | 4,284 |   |   |   | – |   |   |   | – |   |
| After ten years            |   |               | 17,015  |   |             |   | 16,895 |   |   |   | 191 |   |   |   | 188 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                       |   |               | 27,053  |   |             |   | 27,064 |   |   |   | 281 |   |   |   | 284 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities |   |               | 85,932  |   |             |   | 87,071 |   |   |   | 710 |   |   |   | 701 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Totals                     |   | $                  | 112,985 |   |             | $      | 114,135 |   |   | $ | 991 |   |   | $ | 985 |   |

----

| December 31, 2009                     |   |
|---------------------------------------|--------|
|                                  |   | Less than 12 Months |   |   | 12 Months or More |   |   | Total |   |
| Description ofSecurities              |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |
| (In thousands)                        |   |
|                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies              |   | $ | – |   |   | $ | – |   |   | $ | 367 |   |   | $ | 4 |   |   | $ | 367 |   |   | $ | 4 |   |
| Mortgage-backed securities            |   |   | 12,022 |   |   |   | 195 |   |   |   | – |   |   |   | – |   |   |   | 12,022 |   |   |   | 195 |   |
| State and political subdivisions      |   |   | 6,605 |   |   |   | 120 |   |   |   | 430 |   |   |   | 16 |   |   |   | 7,035 |   |   |   | 136 |   |
| Total temporarily impaired securities |   | $ | 18,627 |   |   | $ | 315 |   |   | $ | 797 |   |   | $ | 20 |   |   | $ | 19,424 |   |   | $ | 335 |   |

| March 31, 2009                        |   |
|---------------------------------------|--------|
|                                  |   | Less than 12 Months |   |   | 12 Months or More |   |   | Total |   |
| Description ofSecurities              |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |
| (In thousands)                        |   |
|                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies              |   | $ | 38 |   |   | $ | 1 |   |   | $ | 359 |   |   | $ | 5 |   |   | $ | 397 |   |   | $ | 6 |   |
| Mortgage-backed securities            |   |   | 5,025 |   |   |   | 302 |   |   |   | 6,171 |   |   |   | 354 |   |   |   | 11,196 |   |   |   | 656 |   |
| State and political subdivisions      |   |   | 9,404 |   |   |   | 491 |   |   |   | 406 |   |   |   | 16 |   |   |   | 9,810 |   |   |   | 507 |   |
| Total temporarily impaired securities |   | $ | 14,467 |   |   | $ | 794 |   |   | $ | 6,936 |   |   | $ | 375 |   |   | $ | 21,403 |   |   | $ | 1,169 |   |

----

|                                  |   | December 31, 2008   |   |   |              |   |
|---------------------------------------|--------|---------------------|--------|--------|-------------------|--------|
|                                  |   | Less than 12 Months |   |   | 12 Months or More |   |   | Total |   |
| Description ofSecurities              |   | Fair Value          |   |   | UnrealizedLosses  |   |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |
| (In thousands)                        |   |
|                                  |   |                |   |   |              |   |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies              |   | $                   | 332    |   |              | $      | 5 |   |   | $ | 71 |   |   | $ | 1 |   |   | $ | 403 |   |   | $ | 6 |   |
| Mortgage-backed securities            |   |                | 15,688 |   |              |   | 449 |   |   |   | 2,089 |   |   |   | 44 |   |   |   | 17,777 |   |   |   | 493 |   |
| State and political subdivisions      |   |                | 9,817  |   |              |   |   495 |   |   |   |  – |   |   |   |  – |   |   |   |   9,817 |   |   |   |   495 |   |
| Total temporarily impaired securities |   | $                   | 25,837 |   |              | $      | 949 |   |   | $ | 2,160 |   |   | $ | 45 |   |   | $ | 27,997 |   |   | $ | 994 |   |

| Note 9: | Fair Value Measurements |
|---------|-------------------------|

|   | Level 1 | Quoted prices in active markets for identical assets or liabilities |
|--------|---------|---------------------------------------------------------------------|

|   | Level 2 | Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities |
|--------|---------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Level 3 | Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities |
|--------|---------|------------------------------------------------------------------------------------------------------------------------------------------------|

----

|                                                                                            |   |       |    |   | Fair Value Measurements Using                             |   |
|-------------------------------------------------------------------------------------------------|--------|------------|---------|--------|-----------------------------------------------------------|--------|
|                                                                                            |   | Fair Value |    |   | Quoted Pricesin ActiveMarkets forIdenticalAssets(Level 1) |   |   | SignificantOtherObservableInputs(Level 2) |   |   | SignificantUnobservableInputs(Level 3) |   |
|                                                                                            |   |       |    |   |                                                      |   |   | (in thousands) |   |   |   |   |
|              December 31, 2009 |   |       |    |   |                                                      |   |   |   |   |   |   |   |
| U.S. government agencies                                                                        |   | $          | 2,765   |   |                                                      | $      | – |   |   | $ | 2,765 |   |   | $ | – |   |
| Mortgage-backed securities                                                                      |   | $          | 88,573  |   |                                                      | $      | – |   |   | $ | 88,573 |   |   | $ | – |   |
| State and political subdivisions                                                                |   | $          | 20,806  |   |                                                      | $      | – |   |   | $ | 20,806 |   |   | $ | – |   |
|                                                                                            |   | $          | 112,144 |   |                                                      | $      | – |   |   | $ | 112,144 |   |   | $ | – |   |
|              March 31, 2009    |   |       |    |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies                                                                        |   | $          | 9,304   |   |                                                      | $      | – |   |   | $ | 9,304 |   |   | $ | – |   |
| Mortgage-backed securities                                                                      |   | $          | 88,114  |   |                                                      | $      | – |   |   | $ | 88,114 |   |   | $ | – |   |
| State and political subdivisions                                                                |   | $          | 20,315  |   |                                                      | $      | – |   |   | $ | 20,315 |   |   | $ | – |   |
|                                                                                            |   | $          | 117,733 |   |                                                      | $      | – |   |   | $ | 117,733 |   |   | $ | – |   |
|              December 31, 2008 |   |       |    |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies                                                                        |   | $          | 7,278   |   |                                                      | $      | – |   |   | $ | 7,278 |   |   | $ | – |   |
| Mortgage-backed securities                                                                      |   | $          | 87,071  |   |                                                      | $      | – |   |   | $ | 87,071 |   |   | $ | – |   |
| State and political subdivisions                                                                |   | $          | 19,786  |   |                                                      | $      | – |   |   | $ | 19,786 |   |   | $ | – |   |
|                                                                                            |   | $          | 114,135 |   |                                                      | $      | – |   |   | $ | 114,135 |   |   | $ | – |   |

----

|                                                                           |   |       |   |   | Fair Value Measurements Using                             |   |
|--------------------------------------------------------------------------------|--------|------------|--------|--------|-----------------------------------------------------------|--------|
|                                                                           |   | Fair Value |   |   | Quoted Pricesin ActiveMarkets forIdenticalAssets(Level 1) |   |   | SignificantOtherObservableInputs(Level 2) |   |   | SignificantUnobservableInputs(Level 3) |   |
|                                                                           |   |       |   |   |                                                      |   |   | (In thousands) |   |   |   |   |
|            December 31, 2009 |   |       |   |   |                                                      |   |   |   |   |   |   |   |
| Impaired loans                                                                 |   | $          | 3,402  |   |                                                      | $      | – |   |   | $ | – |   |   | $ | 3,402 |   |
|     Foreclosed assets                                      |   |       | 786    |   |                                                      |   | – |   |   |   | – |   |   |   | 786 |   |
|                                                                           |   |       |   |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
|            March 31, 2009    |   |       |   |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans                                                                 |   | $          | 3,264  |   |                                                      | $      | – |   |   | $ | – |   |   | $ | 3,264 |   |
|     Foreclosed assets                                      |   |       | 594    |   |                                                      |   | – |   |   |   | – |   |   |   | 594 |   |
|                                                                           |   |       |   |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
|            December 31, 2008 |   |       |   |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans                                                                 |   | $          | 427    |   |                                                      | $      | – |   |   | $ | – |   |   | $ | 427 |   |
|     Foreclosed assets                                      |   |       | 735    |   |                                                      |   | – |   |   |   | – |   |   |   | 735 |   |

----

|                                            |   | December 31, 2009 |    |   | March 31, 2009 |   |    | December 31, 2008 |   |
|-------------------------------------------------|--------|-------------------|---------|--------|----------------|--------|---------|-------------------|--------|
|                                            |   | CarryingAmount    |    |   | Fair Value     |   |    | CarryingAmount    |   |   | Fair Value |   |   | CarryingAmount |   |   | Fair Value |   |
|                                            |   | (In thousands)    |    |
| Financial assets                                |   |              |    |   |           |   |    |              |   |   |   |   |   |   |   |   |   |   |
| Cash and cash equivalents                       |   | $                 | 13,619  |   |           | $      | 13,619  |              |   | $ | 6,790 |   |   | $ | 6,790 |   |   | $ | 10,697 |   |   | $ | 10,697 |   |
| Available-for-sale securities                   |   |              | 112,144 |   |           |   | 112,144 |              |   |   | 117,733 |   |   |   | 117,733 |   |   |   | 114,135 |   |   |   | 114,135 |   |
| Held-to-maturity securities                     |   |              | 755     |   |           |   | 766     |              |   |   | 952 |   |   |   | 953 |   |   |   | 991 |   |   |   | 985 |   |
| Loans, net of allowance for loan losses         |   |              | 250,574 |   |           |   | 255,911 |              |   |   | 254,326 |   |   |   | 263,450 |   |   |   | 255,121 |   |   |   | 269,091 |   |
| Federal Home Loan Bank stock                    |   |              | 5,025   |   |           |   | 5,025   |              |   |   | 5,025 |   |   |   | 5,025 |   |   |   | 5,025 |   |   |   | 5,025 |   |
| Interest receivable                             |   |              | 1,426   |   |           |   | 1,426   |              |   |   | 1,675 |   |   |   | 1,675 |   |   |   | 1,595 |   |   |   | 1,595 |   |
|                                            |   |              |    |   |           |   |    |              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Financial liabilities                           |   |              |    |   |           |   |    |              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                        |   |              | 309,034 |   |           |   | 303,397 |              |   |   | 309,534 |   |   |   | 305,937 |   |   |   | 310,811 |   |   |   | 309,220 |   |
| Other short-term borrowings                     |   |              | 7,776   |   |           |   | 7,776   |              |   |   | 10,154 |   |   |   | 10,154 |   |   |   | 11,592 |   |   |   | 11,592 |   |
| Federal Home Loan Bank advances                 |   |              | 45,500  |   |           |   | 46,607  |              |   |   | 46,000 |   |   |   | 47,411 |   |   |   | 44,500 |   |   |   | 46,206 |   |
| Advances from borrowers for taxes and insurance |   |              | 904     |   |           |   | 904     |              |   |   | 551 |   |   |   | 551 |   |   |   | 936 |   |   |   | 936 |   |
| Interest payable                                |   |              | 202     |   |           |   | 202     |              |   |   | 351 |   |   |   | 351 |   |   |   | 305 |   |   |   | 305 |   |
|                                            |   |              |    |   |           |   |    |              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

----

----

|                                |   | December 31, 2009      |    |   | March 31, 2009 |   |   | December 31, 2008 |   |
|-------------------------------------|--------|------------------------|---------|--------|----------------|--------|--------|-------------------|--------|
|                                |   | (Dollars in thousands) |    |
| Mortgage loans:                     |   |                   |    |   |           |   |   |              |   |   |   |   |   |   |   |   |   |   |
| One- to four-family residential(1)  |   | $                      | 139,169 |   |           |   | 54.16  | %                 |   | $ | 141,285 |   |   |   | 54.40 | % |   | $ | 141,038 |   |   |   | 54.17 | % |
| Residential construction loans      |   |                   | 2,431   |   |           |   | 0.95   |              |   |   | 1,587 |   |   |   | 0.61 |   |   |   | 1,801 |   |   |   | 0.69 |   |
| Multi-family residential            |   |                   | 8,707   |   |           |   | 3.39   |              |   |   | 8,604 |   |   |   | 3.31 |   |   |   | 8,664 |   |   |   | 3.33 |   |
| Non-residential real estate/land(2) |   |                   | 68,612  |   |           |   | 26.70  |              |   |   | 70,725 |   |   |   | 27.23 |   |   |   | 70,992 |   |   |   | 27.26 |   |
| Total mortgage loans                |   |                   | 218,919 |   |           |   | 85.20  |              |   |   | 222,201 |   |   |   | 85.55 |   |   |   | 222,495 |   |   |   | 85.45 |   |
| Other loans:                        |   |                   |    |   |           |   |   |              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Consumer loans(3)                   |   |                   | 3,562   |   |           |   | 1.39   |              |   |   | 4,923 |   |   |   | 1.90 |   |   |   | 5,210 |   |   |   | 2.00 |   |
| Commercial business loans           |   |                   | 34,462  |   |           |   | 13.41  |              |   |   | 32,592 |   |   |   | 12.55 |   |   |   | 32,679 |   |   |   | 12.55 |   |
| Total other loans                   |   |                   | 38,024  |   |           |   | 14.80  |              |   |   | 37,515 |   |   |   | 14.45 |   |   |   | 37,889 |   |   |   | 14.55 |   |
| Total loans before net items        |   |                   | 256,944 |   |           |   | 100.00 | %                 |   |   | 259,716 |   |   |   | 100.00 | % |   |   | 260,384 |   |   |   | 100.00 | % |
| Less:                               |   |                   |    |   |           |   |   |              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans in process                    |   |                   | 2,921   |   |           |   |   |              |   |   | 2,506 |   |   |   |   |   |   |   | 3,065 |   |   |   |   |   |
| Deferred loan origination fees      |   |                   | 421     |   |           |   |   |              |   |   | 400 |   |   |   |   |   |   |   | 397 |   |   |   |   |   |
| Allowance for loan losses           |   |                   | 3,028   |   |           |   |   |              |   |   | 2,484 |   |   |   |   |   |   |   | 1,801 |   |   |   |   |   |
| Total loans receivable, net         |   | $                      | 250,574 |   |           |   |   |              |   | $ | 254,326 |   |   |   |   |   |   | $ | 255,121 |   |   |   |   |   |
| Mortgage-backed securities, net(4)  |   | $                      | 89,091  |   |           |   |   |              |   | $ | 88,788 |   |   |   |   |   |   | $ | 87,781 |   |   |   |   |   |

| (1) | Includes equity loans collateralized by second mortgages in the aggregate amount of $16.6 million, $16.9 million and $16.8 million as of December 31, 2009, March 31, 2009, and December 31, 2008, respectively.  Such loans have been underwritten on substantially the same basis as the Company’s first mortgage loans. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | Includes land loans of $122,000, $202,000 and $215,000 at December 31, 2009, March 31, 2009, and December 31, 2008. |
|-----|---------------------------------------------------------------------------------------------------------------------|

| (3) | Includes second mortgage loans of $1.1 million, $1.3 million and $1.4 million as of December 31, 2009, March 31, 2009, and December 31, 2008, respectively. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (4) | Includes mortgage-backed securities designated as available-for-sale. |
|-----|-----------------------------------------------------------------------|

----

|                                               |   | December 31, 2009 |   |   | March 31,2009 |   |    | December 31,2008 |   |
|----------------------------------------------------|--------|------------------------|--------|--------|---------------|--------|---------|------------------|--------|
|                                               |   | (Dollars in thousands) |   |
| Past due loans 30-89 days:                         |   |                   |   |   |          |   |    |             |   |
| Mortgage loans:                                    |   |                   |   |   |          |   |    |             |   |
| One- to four-family residential                    |   | $                      | 677    |   |          | $      | 491     |             |   | $ | 996 |   |
| Multifamily and nonresidential                     |   |                   | 966    |   |          |   | 77      |             |   |   | 3,697 |   |
| Non-mortgage loans:                                |   |                   |   |   |          |   |    |             |   |   |   |   |
| Commercial business loans                          |   |                   | 134    |   |          |   | – |             |   |   | 160 |   |
| Consumer loans                                     |   |                   | 4      |   |          |   | 18      |             |   |   | 12 |   |
|                                               |   | $                      | 1,781  |   |          | $      | 586     |             |   | $ | 4,865 |   |
|                                               |   |                   |   |   |          |   |    |             |   |   |   |   |
| Non-performing loans:                              |   |                   |   |   |          |   |    |             |   |   |   |   |
| Mortgage loans:                                    |   |                   |   |   |          |   |    |             |   |   |   |   |
| One- to four-family residential                    |   | $                      | 1,790  |   |          | $      | 1,409   |             |   | $ | 1,517 |   |
| All other mortgage loans                           |   |                   | 2,735  |   |          |   | 3,027   |             |   |   | 327 |   |
| Non-mortgage loans:                                |   |                   |   |   |          |   |    |             |   |   |   |   |
| Commercial business loans                          |   |                   | 366    |   |          |   | 558     |             |   |   | 189 |   |
| Consumer                                           |   |                   | 16     |   |          |   | 4       |             |   |   | – |   |
| Total non-performing loans                         |   |                   | 4,908  |   |          |   | 4,998   |             |   |   | 2,033 |   |
| Total foreclosed assets held for sale              |   |                   | 786    |   |          |   | 594     |             |   |   | 735 |   |
| Total non-performing assets                        |   | $                      | 5,694  |   |          | $      | 5,592   |             |   | $ | 2,768 |   |
|                                               |   |                   |   |   |          |   |    |             |   |   |   |   |
|                                               |   |                   |   |   |          |   |    |             |   |   |   |   |
| Total non-performing loans to net loans receivable |   |                   | 1.96   | %      |          |   | 1.97    | %                |   |   | 0.80 | % |
| Total non-performing loans to total assets         |   |                   | 1.22   | %      |          |   | 1.24    | %                |   |   | 0.50 | % |
| Total non-performing assets to total assets        |   |                   | 1.41   | %      |          |   | 1.38    | %                |   |   | 0.68 | % |

----

|                                                                             |   | For the ninemonths endedDecember 31, 2009 |    |   | For theyear endedMarch 31, 2009 |   |    | For the ninemonths endedDecember 31, 2008 |   |
|----------------------------------------------------------------------------------|--------|-------------------------------------------|---------|--------|---------------------------------|--------|---------|-------------------------------------------|--------|
|                                                                             |   |                                      |    |   |                            |   |    |                                      |   |
|                                                                             |   |                                      |    |   | (Dollars in thousands)          |   |    |                                      |   |
|                                                                             |   |                                      |    |   |                            |   |    |                                      |   |
| Loans receivable, net                                                            |   | $                                         | 250,574 |   |                            | $      | 254,326 |                                      |   | $ | 255,121 |   |
| Average loans receivable, net                                                    |   | $                                         | 252,698 |   |                            | $      | 250,220 |                                      |   | $ | 248,842 |   |
| Allowance balance (at beginning of period)                                       |   | $                                         | 2,484   |   |                            | $      | 1,777   |                                      |   | $ | 1,777 |   |
| Provision for losses                                                             |   |                                      | 1,115   |   |                            |   | 1,068   |                                      |   |   | 346 |   |
| Charge-offs:                                                                     |   |                                      |    |   |                            |   |    |                                      |   |   |   |   |
| Mortgage loans:                                                                  |   |                                      |    |   |                            |   |    |                                      |   |   |   |   |
| One- to four-family                                                              |   |                                      | (230    | )      |                            |   | (49     | )                                         |   |   | (24 | ) |
| Non-residential real estate and land                                             |   |                                      | (104    | )      |                            |   | (245    | )                                         |   |   | (229 | ) |
| Other loans:                                                                     |   |                                      |    |   |                            |   |    |                                      |   |   |   |   |
| Consumer                                                                         |   |                                      | – |   |                            |   | (3      | )                                         |   |   | (4 | ) |
| Commercial                                                                       |   |                                      | (266    | )      |                            |   | (74     | )                                         |   |   | (74 | ) |
| Gross charge-offs                                                                |   |                                      | (600    | )      |                            |   | (371    | )                                         |   |   | (331 | ) |
| Recoveries:                                                                      |   |                                      |    |   |                            |   |    |                                      |   |   |   |   |
| Mortgage                                                                         |   |                                      | 28      |   |                            |   | – |                                      |   |   | – |   |
| Consumer                                                                         |   |                                      | 1       |   |                            |   | 10      |                                      |   |   | 9 |   |
| Gross recoveries                                                                 |   |                                      | 29      |   |                            |   | 10      |                                      |   |   | 9 |   |
| Net charge-offs                                                                  |   |                                      | (571    | )      |                            |   | (361    | )                                         |   |   | (322 | ) |
|                                                                             |   |                                      |    |   |                            |   |    |                                      |   |   |   |   |
| Allowance for loan losses balance    (at end of period)      |   | $                                         | 3,028   |   |                            | $      | 2,484   |                                      |   | $ | 1,801 |   |
| Allowance for loan losses as a percent of loans receivable, net at end of period |   |                                      | 1.21    | %      |                            |   | 0.97    | %                                         |   |   | 0.71 | % |
| Net loans charged off as a percent of average loans receivable, net              |   |                                      | 0.23    | %      |                            |   | 0.14    | %                                         |   |   | 0.13 | % |
| Ratio of allowance for loan losses to non-performing loans at end of period      |   |                                      | 61.70   | %      |                            |   | 49.70   | %                                         |   |   | 88.59 | % |

----

----

|                                                                                         |   | For the nine months ended December 31, |    |
|----------------------------------------------------------------------------------------------|--------|----------------------------------------|---------|
|                                                                                         |   | 2009                                   |    |   | 2008 |   |
|                                                                                         |   | AverageBalance                         |    |   | Interest |   |   | AverageRate |   |   | AverageBalance |   |   | Interest |   |   | AverageRate |   |
|                                                                                         |   | (Dollars in thousands)                 |    |
| Interest-earning assets:                                                                     |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans receivable, net1                                                                       |   | $                                      | 252,698 |   |   | $ | 10,895 |   |   |   | 5.75 | % |   | $ | 248,842 |   |   | $ | 11,608 |   |   |   | 6.22 | % |
| Investment securities2                                                                       |   |                                   | 114,161 |   |   |   | 4,132 |   |   |   | 4.83 |   |   |   | 118,256 |   |   |   | 4,428 |   |   |   | 4.99 |   |
| Interest-earning deposits3                                                                   |   |                                   | 13,075  |   |   |   | 179 |   |   |   | 1.83 |   |   |   | 11,343 |   |   |   | 236 |   |   |   | 2.77 |   |
| Total interest-earning assets                                                                |   |                                   | 379,934 |   |   |   | 15,206 |   |   |   | 5.34 |   |   |   | 378,441 |   |   |   | 16,272 |   |   |   | 5.73 |   |
| Noninterest-earning assets                                                                   |   |                                   | 23,059  |   |   |   |   |   |   |   |   |   |   |   | 21,570 |   |   |   |   |   |   |   |   |   |
|                                                                                         |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total assets                                                                                 |   | $                                      | 402,993 |   |   |   |   |   |   |   |   |   |   | $ | 400,011 |   |   |   |   |   |   |   |   |   |
|                                                                                         |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                                |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                     |   | $                                      | 306,807 |   |   |   | 3,720 |   |   |   | 1.62 |   |   | $ | 313,050 |   |   |   | 5,788 |   |   |   | 2.47 |   |
| Other short-term borrowings                                                                  |   |                                   | 8,573   |   |   |   | 26 |   |   |   | 0.40 |   |   |   | 8,895 |   |   |   | 57 |   |   |   | 0.85 |   |
| Borrowings                                                                                   |   |                                   | 47,044  |   |   |   | 1,438 |   |   |   | 4.08 |   |   |   | 41,115 |   |   |   | 1,414 |   |   |   | 4.59 |   |
| Total interest-bearing liabilities                                                           |   |                                   | 362,424 |   |   |   | 5,184 |   |   |   | 1.91 |   |   |   | 363,060 |   |   |   | 7,259 |   |   |   | 2.67 |   |
|                                                                                         |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest bearing  liabilities                                                   |   |                                   | 4,537   |   |   |   |   |   |   |   |   |   |   |   | 3,909 |   |   |   |   |   |   |   |   |   |
| Total liabilities                                                                            |   |                                   | 366,961 |   |   |   |   |   |   |   |   |   |   |   | 366,969 |   |   |   |   |   |   |   |   |   |
| Stockholders’ equity                                                                   |   |                                   | 36,032  |   |   |   |   |   |   |   |   |   |   |   | 33,042 |   |   |   |   |   |   |   |   |   |
| Total liabilities and stockholders’ equity                                             |   | $                                      | 402,993 |   |   |   |   |   |   |   |   |   |   | $ | 400,011 |   |   |   |   |   |   |   |   |   |
| Net interest income                                                                          |   |                                   |    |   |   | $ | 10,022 |   |   |   |   |   |   |   |   |   |   | $ | 9,013 |   |   |   |   |   |
| Interest rate spread4                                                                        |   |                                   |    |   |   |   |   |   |   |   | 3.43 | % |   |   |   |   |   |   |   |   |   |   | 3.06 | % |
| Net yield on interest-earning assets5                                                        |   |                                   |    |   |   |   |   |   |   |   | 3.52 | % |   |   |   |   |   |   |   |   |   |   | 3.18 | % |
| Ratio of average interest- earning assets to average  interest-bearing liabilities |   |                                   |    |   |   |   |   |   |   |   | 104.83 | % |   |   |   |   |   |   |   |   |   |   | 104.24 | % |

----

----

----

----

|                                                                                         |   | For the three months ended December 31, |    |
|----------------------------------------------------------------------------------------------|--------|-----------------------------------------|---------|
|                                                                                         |   | 2009                                    |    |   | 2008 |   |
|                                                                                         |   | AverageBalance                          |    |   | Interest |   |   | AverageRate |   |   | AverageBalance |   |   | Interest |   |   | AverageRate |   |
|                                                                                         |   | (Dollars in thousands)                  |    |
| Interest-earning assets:                                                                     |   |                                    |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans receivable, net(1)                                                                     |   | $                                       | 252,656 |   |   | $ | 3,581 |   |   |   | 5.67 | % |   | $ | 256,409 |   |   | $ | 3,927 |   |   |   | 6.13 | % |
| Investment securities(2)                                                                     |   |                                    | 112,270 |   |   |   | 1,351 |   |   |   | 4.81 |   |   |   | 111,905 |   |   |   | 1,416 |   |   |   | 5.06 |   |
| Interest-earning deposits(3)                                                                 |   |                                    | 13,119  |   |   |   | 57 |   |   |   | 1.74 |   |   |   | 10,130 |   |   |   | 65 |   |   |   | 2.57 |   |
| Total interest-earning assets                                                                |   |                                    | 378,045 |   |   |   | 4,989 |   |   |   | 5.28 |   |   |   | 378,444 |   |   |   | 5,408 |   |   |   | 5.72 |   |
| Noninterest-earning assets                                                                   |   |                                    | 22,772  |   |   |   |   |   |   |   |   |   |   |   | 21,619 |   |   |   |   |   |   |   |   |   |
|                                                                                         |   |                                    |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total assets                                                                                 |   | $                                       | 400,817 |   |   |   |   |   |   |   |   |   |   | $ | 400,063 |   |   |   |   |   |   |   |   |   |
|                                                                                         |   |                                    |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                                |   |                                    |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                     |   | $                                       | 306,125 |   |   |   | 1,099 |   |   |   | 1.44 |   |   | $ | 311,315 |   |   |   | 1,798 |   |   |   | 2.31 |   |
| Other short-term borrowings                                                                  |   |                                    | 7,008   |   |   |   | 7 |   |   |   | 0.40 |   |   |   | 9,531 |   |   |   | 13 |   |   |   | 0.55 |   |
| Borrowings                                                                                   |   |                                    | 45,938  |   |   |   | 443 |   |   |   | 3.86 |   |   |   | 42,609 |   |   |   | 479 |   |   |   | 4.50 |   |
| Total interest-bearing liabilities                                                           |   |                                    | 359,071 |   |   |   | 1,549 |   |   |   | 1.73 |   |   |   | 363,455 |   |   |   | 2,290 |   |   |   | 2.52 |   |
|                                                                                         |   |                                    |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest bearing  liabilities                                                   |   |                                    | 5,010   |   |   |   |   |   |   |   |   |   |   |   | 3,382 |   |   |   |   |   |   |   |   |   |
| Total liabilities                                                                            |   |                                    | 364,081 |   |   |   |   |   |   |   |   |   |   |   | 366,837 |   |   |   |   |   |   |   |   |   |
| Stockholders’ equity                                                                   |   |                                    | 36,736  |   |   |   |   |   |   |   |   |   |   |   | 33,226 |   |   |   |   |   |   |   |   |   |
| Total liabilities and stockholders’ equity                                             |   | $                                       | 400,817 |   |   |   |   |   |   |   |   |   |   | $ | 400,063 |   |   |   |   |   |   |   |   |   |
| Net interest income                                                                          |   |                                    |    |   |   | $ | 3,440 |   |   |   |   |   |   |   |   |   |   | $ | 3,118 |   |   |   |   |   |
| Interest rate spread(4)                                                                      |   |                                    |    |   |   |   |   |   |   |   | 3.55 | % |   |   |   |   |   |   |   |   |   |   | 3.20 | % |
| Net yield on interest-earning assets(5)                                                      |   |                                    |    |   |   |   |   |   |   |   | 3.64 | % |   |   |   |   |   |   |   |   |   |   | 3.30 | % |
| Ratio of average interest- earning assets to average  interest-bearing liabilities |   |                                    |    |   |   |   |   |   |   |   | 105.28 | % |   |   |   |   |   |   |   |   |   |   | 104.12 | % |

----

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----

----

----

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| ITEM 1. | Legal Proceedings |
|---------|-------------------|

|   | Notapplicable. |
|--------|----------------|

| ITEM 1A. | Risk Factors |
|----------|--------------|

|   |   | There have been no material changes in the risk factors set forth in Part I, Item 1A of the Company’s Annual Report on Form 10-K for the year ended March 31, 2009. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ITEM 2. | Unregistered Sales of Equity Securities and Use of Proceeds |
|---------|-------------------------------------------------------------|

|   | (a)  | Not applicable. |
|--------|-----------|-----------------|

|   | (b)  | Not applicable. |
|--------|-----------|-----------------|

|   | (c) | Not applicable. |
|--------|-----|-----------------|

| ITEM 3.  | Defaults Upon Senior Securities |
|---------------|---------------------------------|

|   | Not applicable. |
|--------|-----------------|

| ITEM 4.  | Submission of Matters to a Vote of Security Holders |
|---------------|-----------------------------------------------------|

|   | Not applicable. |
|--------|-----------------|

| ITEM 5. | Other Information |
|---------|-------------------|

|   |   | Not applicable. |
|--------|--------|-----------------|

----

| ITEM 6.  | Exhibits  |                                                                                                                                                                 |
|---------------|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|          |           |                                                                                                                                                                 |
|          | EX-31.1        | Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350                                           |
|          |           |                                                                                                                                                                 |
|          | EX-31.2        | Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350                                           |
|          |           |                                                                                                                                                                 |
|          | EX-32          | Written Statement of Chief Executive Officer and Chief Financial Officer furnished pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350 |

----

| Date:  | February 5, 2010 |   | By:    | /s/Phillip E. Becker                  |
|--------|------------------|--------|--------|---------------------------------------|
|   |             |   |   | Phillip E. Becker                     |
|   |             |   |   | President and Chief Executive Officer |
|   |             |   |   |                                  |
|   |             |   |   |                                  |
|   |             |   |   |                                  |
| Date:  | February 5, 2010 |   | By:    | /s/H. Stewart Fitz Gibbon III         |
|   |             |   |   | H. Stewart Fitz Gibbon III            |
|   |             |   |   | Executive Vice President and          |
|   |             |   |   | Chief Financial Officer               |