----

----

| For the quarterly period ended | September 30, 2009 |
|--------------------------------|--------------------|

| Delaware                                                       |   | 31-1557791                              |
|----------------------------------------------------------------|--------|-----------------------------------------|
| (State or other jurisdiction of incorporation or organization) |   | (I.R.S. Employer Identification Number) |

| 151 North Market Street                 |   |       |
|-----------------------------------------|--------|------------|
| Wooster, Ohio                           |   | 44691      |
| (Address of principal executive office) |   | (Zip Code) |

----

----

----

Wayne 

|                           |                                                                                        | Page   |
|--------------------------------|---------------------------------------------------------------------------------------------|--------|
| PART I - FINANCIAL INFORMATION |                                                                                        |
|                           |                                                                                        |   |
| Item 1                         | Condensed Consolidated Balance Sheets                                                       | 2      |
|                           |                                                                                        |   |
|                           | Condensed Consolidated Statements of Income                                                 | 3      |
|                           |                                                                                        |   |
|                           | Condensed Consolidated Statements of Comprehensive Income (Loss)                            | 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                                                                                          |

----

Index 

Wayne 

|                                                                                                                                 |   | September 30, 2009 |           |   | March 31, 2009 |   |
|--------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------|----------------|--------|----------------|--------|
|                                                                                                                                 |   | (Unaudited)        |           |   |           |   |
| ASSETS                                                                                                                               |   |               |           |   |           |   |
| Cash and due from banks                                                                                                              |   | $                  | 3,676          |   |           | $      | 2,935 |   |
| Interest-bearing demand deposits                                                                                                     |   |               | 2,354          |   |           |   | 3,855 |   |
| Cash and cash equivalents                                                                                                            |   |               | 6,030          |   |           |   | 6,790 |   |
| Available-for-sale securities                                                                                                        |   |               | 113,535        |   |           |   | 117,733 |   |
| Held-to-maturity securities                                                                                                          |   |               | 807            |   |           |   | 952 |   |
| Loans receivable – net of allowance for loan losses of $2,613 and $2,484 atSeptember 30, 2009 and March 31, 2009, respectively |   |               | 254,927        |   |           |   | 254,326 |   |
| Premises and equipment                                                                                                               |   |               | 7,509          |   |           |   | 7,553 |   |
| Federal Home Loan Bank stock                                                                                                         |   |               | 5,025          |   |           |   | 5,025 |   |
| Foreclosed assets held for sale  -  net                                                                          |   |               | 931            |   |           |   | 594 |   |
| Accrued interest receivable                                                                                                          |   |               | 1,661          |   |           |   | 1,675 |   |
| Bank-owned life insurance                                                                                                            |   |               | 6,632          |   |           |   | 6,508 |   |
| Goodwill                                                                                                                             |   |               | 1,719          |   |           |   | 1,719 |   |
| Other intangible assets                                                                                                              |   |               | 423            |   |           |   | 471 |   |
| Other assets                                                                                                                         |   |               | 1,119          |   |           |   | 1,048 |   |
| Prepaid federal income taxes                                                                                                         |   |               | ---            |   |           |   | 27 |   |
| Total assets                                                                                                                         |   | $                  | 400,318        |   |           | $      | 404,421 |   |
|                                                                                                                                 |   |               |           |   |           |   |   |   |
|                                                                                                                                 |   |               |           |   |           |   |   |   |
| LIABILITIES AND STOCKHOLDERS’ EQUITY                                                                                           |   |               |           |   |           |   |   |   |
| Liabilities                                                                                                                          |   |               |           |   |           |   |   |   |
| Deposits                                                                                                                             |   |               |           |   |           |   |   |   |
| Demand                                                                                                                               |   | $                  | 53,104         |   |           | $      | 53,085 |   |
| Savings and money market                                                                                                             |   |               | 85,673         |   |           |   | 83,759 |   |
| Time                                                                                                                                 |   |               | 162,034        |   |           |   | 172,690 |   |
| Total deposits                                                                                                                       |   |               | 300,811        |   |           |   | 309,534 |   |
| Other short term borrowings                                                                                                          |   |               | 7,530          |   |           |   | 10,154 |   |
| Federal Home Loan Bank advances                                                                                                      |   |               | 51,000         |   |           |   | 46,000 |   |
| Accrued interest payable and other liabilities                                                                                       |   |               | 2,800          |   |           |   | 3,237 |   |
| Accrued federal income taxes                                                                                                         |   |               | 2              |   |           |   | –– |   |
| Deferred federal income taxes                                                                                                        |   |               | 1,650          |   |           |   | 1,083 |   |
| Total liabilities                                                                                                                    |   |               | 363,793        |   |           |   | 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                                                                                                           |   |               | 36,017         |   |           |   | 36,028 |   |
| Retained earnings                                                                                                                    |   |               | 13,609         |   |           |   | 12,726 |   |
| Shares acquired by ESOP                                                                                                              |   |               | (852           | )      |           |   | (899 | ) |
| Accumulated other comprehensive income, net of tax effects                                                                           |   |               | 1,883          |   |           |   | 690 |   |
| Treasury stock, at cost - 974,618 common shares                                                                                      |   |               | (14,530        | )      |           |   | (14,530 | ) |
| Total stockholders’ equity                                                                                                     |   |               | 36,525         |   |           |   | 34,413 |   |
| Total liabilities and stockholders’ equity                                                                                     |   | $                  | 400,318        |   |           | $      | 404,421 |   |

----

Index 

Wayne 

|                                                                |   | Six months    |   |   | Three months  |   |
|---------------------------------------------------------------------|--------|---------------|--------|--------|---------------|--------|
|                                                                |   | ended         |   |   | ended         |   |
|                                                                |   | September 30, |   |   | September 30, |   |
|                                                                |   | 2009          |   |   | 2008          |   |   | 2009 |   |   | 2008 |   |
| Interest and Dividend Income                                        |   |          |   |   |          |   |   |   |   |   |   |   |
| Loans                                                               |   | $             | 7,314  |   |          | $      | 7,681 |   |   | $ | 3,632 |   |   | $ | 3,867 |   |
| Securities                                                          |   |          | 2,781  |   |          |   | 3,012 |   |   |   | 1,378 |   |   |   | 1,493 |   |
| Dividends on Federal Home Loan Bank stock and other                 |   |          | 122    |   |          |   | 171 |   |   |   | 65 |   |   |   | 72 |   |
| Total interest and dividend income                                  |   |          | 10,217 |   |          |   | 10,864 |   |   |   | 5,075 |   |   |   | 5,432 |   |
| Interest Expense                                                    |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                            |   |          | 2,621  |   |          |   | 3,990 |   |   |   | 1,239 |   |   |   | 1,894 |   |
| Other short term borrowings                                         |   |          | 19     |   |          |   | 44 |   |   |   | 9 |   |   |   | 23 |   |
| Federal Home Loan Bank advances                                     |   |          | 995    |   |          |   | 935 |   |   |   | 493 |   |   |   | 465 |   |
| Total interest expense                                              |   |          | 3,635  |   |          |   | 4,969 |   |   |   | 1,741 |   |   |   | 2,382 |   |
|                                                                |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Net Interest Income                                                 |   |          | 6,582  |   |          |   | 5,895 |   |   |   | 3,334 |   |   |   | 3,050 |   |
|                                                                |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Provision for Loan Losses                                           |   |          | 545    |   |          |   | 161 |   |   |   | 380 |   |   |   | 100 |   |
|                                                                |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Net Interest Income After Provision for Loan Losses                 |   |          | 6,037  |   |          |   | 5,734 |   |   |   | 2,954 |   |   |   | 2,950 |   |
|                                                                |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest Income                                                  |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Gain on sale of loans                                               |   |          | 113    |   |          |   | - |   |   |   | 50 |   |   |   | - |   |
| Trust income                                                        |   |          | 89     |   |          |   | 91 |   |   |   | 52 |   |   |   | 45 |   |
| Earnings on bank-owned life insurance                               |   |          | 115    |   |          |   | 112 |   |   |   | 58 |   |   |   | 57 |   |
| Service fees, charges and other operating                           |   |          | 696    |   |          |   | 676 |   |   |   | 352 |   |   |   | 348 |   |
| Total noninterest income                                            |   |          | 1,013  |   |          |   | 879 |   |   |   | 512 |   |   |   | 450 |   |
| Noninterest  Expense                                      |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Salary and employee benefits                                        |   |          | 2,872  |   |          |   | 2,778 |   |   |   | 1,443 |   |   |   | 1,396 |   |
| Net occupancy and equipment expense                                 |   |          | 938    |   |          |   | 1,023 |   |   |   | 473 |   |   |   | 522 |   |
| Federal deposit insurance premiums                                  |   |          | 457    |   |          |   | 22 |   |   |   | 118 |   |   |   | 13 |   |
| Franchise taxes                                                     |   |          | 176    |   |          |   | 221 |   |   |   | 88 |   |   |   | 119 |   |
| Loss (gain) on disposal of real estate acquired through foreclosure |   |          | 61     |   |          |   | (10 | ) |   |   | 50 |   |   |   | (10 | ) |
| Loss on disposal of premises and equipment                          |   |          | 4      |   |          |   | - |   |   |   | 4 |   |   |   | - |   |
| Amortization of intangible assets                                   |   |          | 48     |   |          |   | 53 |   |   |   | 23 |   |   |   | 26 |   |
| Other                                                               |   |          | 953    |   |          |   | 1,003 |   |   |   | 405 |   |   |   | 509 |   |
| Total noninterest expense                                           |   |          | 5,509  |   |          |   | 5,090 |   |   |   | 2,604 |   |   |   | 2,575 |   |
|                                                                |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Income Before Federal Income Taxes                                  |   |          | 1,541  |   |          |   | 1,523 |   |   |   | 862 |   |   |   | 825 |   |
|                                                                |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Provision for Federal Income Taxes                                  |   |          | 357    |   |          |   | 391 |   |   |   | 210 |   |   |   | 224 |   |
|                                                                |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Net Income                                                          |   | $             | 1,184  |   |          | $      | 1,132 |   |   | $ | 652 |   |   | $ | 601 |   |
|                                                                |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Basic Earnings Per Share                                            |   | $             | .41    |   |          | $      | .39 |   |   | $ | .23 |   |   | $ | .21 |   |
| Diluted Earnings Per Share                                          |   | $             | .41    |   |          | $      | .39 |   |   | $ | .23 |   |   | $ | .21 |   |
| Dividends Per Share                                                 |   | $             | .10    |   |          | $      | .24 |   |   | $ | .05 |   |   | $ | .12 |   |

----

Index 

Wayne 

|                                                                                                                                           |   | Six months    |   |   | Three months  |   |
|------------------------------------------------------------------------------------------------------------------------------------------------|--------|---------------|--------|--------|---------------|--------|
|                                                                                                                                           |   | ended         |   |   | ended         |   |
|                                                                                                                                           |   | September 30, |   |   | September 30, |   |
|                                                                                                                                           |   | 2009          |   |   | 2008          |   |   | 2009 |   |   | 2008 |   |
|                                                                                                                                           |   |          |   |   |          |   |   |   |   |   |   |   |
| Net income                                                                                                                                     |   | $             | 1,184  |   |          | $      | 1,132 |   |   | $ | 652 |   |   | $ | 601 |   |
|                                                                                                                                           |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Other comprehensive income (loss):                                                                                                             |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Unrealized holding gains (losses) on securities, net of related taxes (benefits) of $615, $(727), $537 and $(60) during the respective periods |   |          | 1,193  |   |          |   | (1,411 | ) |   |   | 1,043 |   |   |   | (117 | ) |
|                                                                                                                                           |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive income (loss)                                                                                                                    |   | $             | 2,377  |   |          | $      | (279 | ) |   | $ | 1,695 |   |   | $ | 484 |   |
|                                                                                                                                           |   |          |   |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Accumulated other comprehensive income (loss)                                                                                                  |   | $             | 1,883  |   |          | $      | (704 | ) |   | $ | 1,883 |   |   | $ | (704 | ) |

----

Index 

Wayne 

|                                                                                  |   | 2009   |           |   | 2008   |   |
|---------------------------------------------------------------------------------------|--------|--------|----------------|--------|--------|--------|
|                                                                                  |   |   |           |   |   |   |
| Operating Activities                                                                  |   |   |           |   |   |   |
| Net income                                                                            |   | $      | 1,184          |   |   | $      | 1,132 |   |
| Items not requiring (providing) cash                                                  |   |   |           |   |   |   |   |   |
| Depreciation and amortization                                                         |   |   | 293            |   |   |   | 334 |   |
| Provision for loan losses                                                             |   |   | 545            |   |   |   | 161 |   |
| Amortization of premiums and discounts on securities                                  |   |   | (34            | )      |   |   | (54 | ) |
| Amortization of mortgage servicing rights                                             |   |   | 21             |   |   |   | 15 |   |
| Amortization of deferred loan origination fees                                        |   |   | (56            | )      |   |   | (22 | ) |
| Amortization of  intangible assets                                          |   |   | 48             |   |   |   | 53 |   |
| Deferred income taxes                                                                 |   |   | (48            | )      |   |   | (113 | ) |
| Net gains on sales of loans                                                           |   |   | (113           | )      |   |   | –– |   |
| Proceeds from sale of loans in the secondary market                                   |   |   | 4,310          |   |   |   | –– |   |
| Origination of loans for sale in the secondary market                                 |   |   | (4,263         | )      |   |   | –– |   |
| Amortization expense of stock benefit plan                                            |   |   | 26             |   |   |   | –– |   |
| Loss on disposal and impairment provision of real estate acquired through foreclosure |   |   | 61             |   |   |   | –– |   |
| Federal Home Loan Bank stock dividends                                                |   |   | –– |   |   |   | (133 | ) |
| Increase in value of bank owned life insurance                                        |   |   | (124           | )      |   |   | (112 | ) |
| Changes in                                                                            |   |   |           |   |   |   |   |   |
| Accrued interest receivable                                                           |   |   | 14             |   |   |   | 34 |   |
| Other assets                                                                          |   |   | (65            | )      |   |   | 402 |   |
| Interest payable and other liabilities                                                |   |   | (395           | )      |   |   | (60 | ) |
| Net cash provided by operating activities                                             |   |   | 1,404          |   |   |   | 1,637 |   |
|                                                                                  |   |   |           |   |   |   |   |   |
| Investing Activities                                                                  |   |   |           |   |   |   |   |   |
| Purchase of  available-for-sale securities                                  |   |   | (14,817        | )      |   |   | (13,309 | ) |
| Proceeds from maturities of available-for-sale securities                             |   |   | 20,859         |   |   |   | 19,232 |   |
| Proceeds from maturities of held-to-maturity securities                               |   |   | 143            |   |   |   | 174 |   |
| Net change in loans                                                                   |   |   | (1,677         | )      |   |   | (9,427 | ) |
| Purchase of premises and equipment                                                    |   |   | (249           | )      |   |   | (104 | ) |
| Proceeds from the sale of foreclosed assets                                           |   |   | 255            |   |   |   | 154 |   |
| Net cash provided by (used in) investing activities                                   |   |   | 4,514          |   |   |   | (3,280 | ) |

----

Index 

|                                                                                                 |   | 2009   |           |   | 2008   |   |
|------------------------------------------------------------------------------------------------------|--------|--------|----------------|--------|--------|--------|
|                                                                                                 |   |   |           |
|                                                                                                 |   |   |           |   |   |   |
| Financing Activities                                                                                 |   |   |           |   |   |   |
| Net change in deposits                                                                               |   | $      | (8,723         | )      |   | $      | (8,020 | ) |
| Net change in other short-term borrowings                                                            |   |   | (2,624         | )      |   |   | 2,248 |   |
| Proceeds from Federal Home Loan Bank advances                                                        |   |   | 17,300         |   |   |   | 33,035 |   |
| Repayments of Federal Home Loan Bank advances                                                        |   |   | (12,300        | )      |   |   | (30,535 | ) |
| Advances by borrowers for taxes and insurance                                                        |   |   | (40            | )      |   |   | (74 | ) |
| Cash dividends paid                                                                                  |   |   | (291           | )      |   |   | (699 | ) |
| Treasury stock purchases                                                                             |   |   | –– |   |   |   | (49 | ) |
| Net cash used in financing activities                                                                |   |   | (6,678         | )      |   |   | (4,094 | ) |
|                                                                                                 |   |   |           |   |   |   |   |   |
| Decrease in Cash and Cash Equivalents                                                                |   |   | (760           | )      |   |   | (5,737 | ) |
|                                                                                                 |   |   |           |   |   |   |   |   |
| Cash and Cash equivalents, Beginning of period                                                       |   |   | 6,790          |   |   |   | 13,063 |   |
|                                                                                                 |   |   |           |   |   |   |   |   |
| Cash and Cash equivalents, End of period                                                             |   | $      | 6,030          |   |   | $      | 7,326 |   |
|                                                                                                 |   |   |           |   |   |   |   |   |
| Supplemental Cash Flows Information Cash Paid For:                                                   |   |   |           |   |   |   |   |   |
| Interest on deposits and borrowings                                                                  |   | $      | 3,716          |   |   | $      | 5,003 |   |
|                                                                                                 |   |   |           |   |   |   |   |   |
| Federal income taxes                                                                                 |   | $      | 375            |   |   | $      | 250 |   |
|                                                                                                 |   |   |           |   |   |   |   |   |
|                                                                                                 |   |   |           |   |   |   |   |   |
| Supplemental Disclosure of Non-Cash Investing and Financing Activities                               |   |   |           |   |   |   |   |   |
| Transfers from loans to foreclosed assets held for sale                                              |   | $      | 653            |   |   | $      | 187 |   |
|                                                                                                 |   |   |           |   |   |   |   |   |
| Unrealized gains (losses) on securities designated as available for sale, net of related tax effects |   | $      | 1,193          |   |   | $      | (1,411 | ) |
|                                                                                                 |   |   |           |   |   |   |   |   |
| Dividends payable                                                                                    |   | $      | 150            |   |   | $      | 360 |   |

----

Index 

Wayne 

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

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

----

Index 

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

|                                                 |   | For the six months ended |      |   | For the three months ended |   |
|------------------------------------------------------|--------|--------------------------|-----------|--------|----------------------------|--------|
|                                                 |   | September 30,            |      |   | September 30,              |   |
|                                                 |   | 2009                     |      |   | 2008                       |   |   | 2009 |   |   | 2008 |   |
|                                                 |   |                     |      |   |                       |   |   |   |   |   |   |   |
| Weighted-average common shares outstanding (basic)   |   |                     | 2,911,956 |   |                       |   | 2,904,166 |   |   |   | 2,911,956 |   |   |   | 2,902,421 |   |
| Dilutive effect of assumed exercise of stock options |   |                     | -         |   |                       |   | - |   |   |   | - |   |   |   | - |   |
| Weighted-average common shares outstanding (diluted) |   |                     | 2,911,956 |   |                       |   | 2,904,166 |   |   |   | 2,911,956 |   |   |   | 2,902,421 |   |

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

----

Index 

|                               |   | Six months endedSeptember 30, |           |   | Year endedMarch 31,            |   |
|------------------------------------|--------|-------------------------------|----------------|--------|--------------------------------|--------|
|                               |   |                          |           |   |                           |   |
|                               |   | 2009                          |           |   | 2009                           |   |   | 2008 |   |
|                               |   | Shares                        |           |   | Weighted Average exerciseprice |   |   | Shares |   |   | Weighted Average exercise price |   |   | Shares |   |   | Weighted Average exercise price |   |
| 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         |   | 4.50 years |   |

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

----

Index 

|                     |   | Actual                 |   |   | For Capital Adequacy Purposes |   |   | To Be Well Capitalized Under Prompt Corrective Action Provisions |   |
|--------------------------|--------|------------------------|--------|--------|-------------------------------|--------|--------|------------------------------------------------------------------|--------|
|                     |   | Amount                 |   |   | Ratio                         |   |   | Amount                                                           |   |   | Ratio |   |   | Amount |   |   | Ratio |   |
|                     |   | (Dollars in thousands) |   |
| As of September 30, 2009 |   |                   |   |   |                          |   |   |                                                             |   |   |   |   |   |   |   |   |   |   |
| Tangible capital         |   | $                      | 31,534 |   |                          |   | 8.0    | %                                                                |   | $ | 5,927 |   |   |   | 1.5 | % |   | $ | 19,756 |   |   |   | 5.0 | % |
| Core capital             |   |                   | 31,534 |   |                          |   | 8.0    |                                                             |   |   | 15,805 |   |   |   | 4.0 |   |   |   | 23,707 |   |   |   | 6.0 |   |
| Risk-based capital       |   |                   | 33,421 |   |                          |   | 12.7   |                                                             |   |   | 19,924 |   |   |   | 8.0 |   |   |   | 24,903 |   |   |   | 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 September 30, 2008 |   |                   |   |   |                          |   |   |                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tangible capital         |   | $                      | 30,260 |   |                          |   | 7.7    | %                                                                |   | $ | 5,924 |   |   |   | 1.5 | % |   | $ | 19,747 |   |   |   | 5.0 | % |
| Core capital             |   |                   | 30,260 |   |                          |   | 7.7    |                                                             |   |   | 15,797 |   |   |   | 4.0 |   |   |   | 23,696 |   |   |   | 6.0 |   |
| Risk-based capital       |   |                   | 31,827 |   |                          |   | 12.4   |                                                             |   |   | 19,595 |   |   |   | 8.0 |   |   |   | 24,493 |   |   |   | 10.0 |   |

----

Index 

| 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. |
|--------|--------|-----------------------------------------------------------------------------------------------------|

----

Index 

----

Index 

----

Index 

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

----

Index 

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

|                             |   | Amortized Cost |    |   | Gross Unrealized Gains |   |   | Gross Unrealized Losses |   |   | Approximate Fair Value |   |
|----------------------------------|--------|----------------|---------|--------|------------------------|--------|--------|-------------------------|--------|--------|------------------------|--------|
|                             |   | (In thousands) |    |
| Available-for-sale Securities:   |   |           |    |   |                   |   |   |                    |   |   |                   |   |
| September 30, 2009:              |   |           |    |   |                   |   |   |                    |   |   |                   |   |
| U.S. government agencies         |   | $              | 4,770   |   |                   | $      | 210    |                    |   | $      | 4                      |   |   | $ | 4,976 |   |
| Mortgage-backed securities       |   |           | 84,605  |   |                   |   | 2,846  |                    |   |   | 236                    |   |   |   | 87,215 |   |
| State and political subdivisions |   |           | 20,615  |   |                   |   | 733    |                    |   |   | 4                      |   |   |   | 21,344 |   |
|                             |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
|                             |   | $              | 109,990 |   |                   | $      | 3,789  |                    |   | $      | 244                    |   |   | $ | 113,535 |   |
|                             |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
|                             |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
| 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 |   |
|                             |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
|                             |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
| September 30, 2008:              |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
| U.S. government agencies         |   | $              | 8,231   |   |                   | $      | 29     |                    |   | $      | 2                      |   |   | $ | 8,258 |   |
| Mortgage-backed securities       |   |           | 85,759  |   |                   |   | 669    |                    |   |   | 661                    |   |   |   | 85,767 |   |
| State and political subdivisions |   |           | 18,745  |   |                   |   | 206    |                    |   |   | 812                    |   |   |   | 18,139 |   |
|                             |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
|                             |   | $              | 112,735 |   |                   | $      | 904    |                    |   | $      | 1,475                  |   |   | $ | 112,164 |   |

----

Index 

|                             |   | Amortized Cost |   |   | Gross Unrealized Gains |   |           | Gross Unrealized Losses |   |   | Approximate Fair Value |   |
|----------------------------------|--------|----------------|--------|--------|------------------------|--------|----------------|-------------------------|--------|--------|------------------------|--------|
|                             |   | (In thousands) |   |
| Held-to-maturity Securities:     |   |           |   |   |                   |   |           |                    |   |   |                   |   |
| September 30, 2009:              |   |           |   |   |                   |   |           |                    |   |   |                   |   |
| U.S. government agencies         |   | $              | 183    |   |                   | $      | –– |                    |   | $      | 3                      |   |   | $ | 180 |   |
| State and political subdivisions |   |           | 83     |   |                   |   | 6              |                    |   |   | ––         |   |   |   | 89 |   |
| Mortgage-backed securities       |   |           | 541    |   |                   |   | 5              |                    |   |   | ––         |   |   |   | 546 |   |
|                             |   |           |   |   |                   |   |           |                    |   |   |                   |   |   |   |   |   |
|                             |   | $              | 807    |   |                   | $      | 11             |                    |   | $      | 3                      |   |   | $ | 815 |   |
|                             |   |           |   |   |                   |   |           |                    |   |   |                   |   |   |   |   |   |
| March 31, 2009:                  |   |           |   |   |                   |   |           |                    |   |   |                   |   |   |   |   |   |
| U.S. government agencies         |   | $              | 189    |   |                   | $      | –– |                    |   | $      | 3                      |   |   | $ | 186 |   |
| State and political subdivisions |   |           | 89     |   |                   |   | 5              |                    |   |   | ––         |   |   |   | 94 |   |
| Mortgage-backed securities       |   |           | 674    |   |                   |   | 4              |                    |   |   | 5                      |   |   |   | 673 |   |
|                             |   |           |   |   |                   |   |           |                    |   |   |                   |   |   |   |   |   |
|                             |   | $              | 952    |   |                   | $      | 9              |                    |   | $      | 8                      |   |   | $ | 953 |   |
| September 30, 2008:              |   |           |   |   |                   |   |           |                    |   |   |                   |   |   |   |   |   |
| U.S. government agencies         |   | $              | 211    |   |                   | $      | –– |                    |   | $      | 3                      |   |   | $ | 208 |   |
| State and political subdivisions |   |           | 110    |   |                   |   | 7              |                    |   |   | ––         |   |   |   | 117 |   |
| Mortgage-backed securities       |   |           | 744    |   |                   |   | 2              |                    |   |   | 3                      |   |   |   | 743 |   |
|                             |   |           |   |   |                   |   |           |                    |   |   |                   |   |   |   |   |   |
|                             |   | $              | 1,065  |   |                   | $      | 9              |                    |   | $      | 6                      |   |   | $ | 1,068 |   |

----

Index 

| September 30, 2009         |   | Available-for-sale |    |   | Held-to-maturity |   |
|----------------------------|--------|--------------------|---------|--------|------------------|--------|
|                       |   | AmortizedCost      |    |   | FairValue        |   |   | AmortizedCost |   |   | FairValue |   |
|                       |   | (In thousands)     |    |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |
| One to five years          |   | $                  | 3,383   |   |             | $      | 3,537 |   |   | $ | 83 |   |   | $ | 89 |   |
| Five to ten years          |   |               | 2,531   |   |             |   | 2,662 |   |   |   | –– |   |   |   | –– |   |
| After ten years            |   |               | 19,471  |   |             |   | 20,121 |   |   |   | 183 |   |   |   | 180 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                       |   |               | 25,385  |   |             |   | 26,320 |   |   |   | 266 |   |   |   | 269 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities |   |               | 84,605  |   |             |   | 87,215 |   |   |   | 541 |   |   |   | 546 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Totals                     |   | $                  | 109,990 |   |             | $      | 113,535 |   |   | $ | 807 |   |   | $ | 815 |   |

| 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 |   |

----

Index 

| September 30, 2008         |   | Available-for-sale |    |   | Held-to-maturity |   |
|----------------------------|--------|--------------------|---------|--------|------------------|--------|
|                       |   | AmortizedCost      |    |   | FairValue        |   |   | AmortizedCost |   |   | FairValue |   |
|                       |   | (In thousands)     |    |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |
| Within one year            |   | $                  | 3,098   |   |             | $      | 3,107 |   |   | $ | –– |   |   | $ | –– |   |
| One to five years          |   |               | 3,831   |   |             |   | 3,840 |   |   |   | 110 |   |   |   | 117 |   |
| Five to ten years          |   |               | 3,750   |   |             |   | 3,717 |   |   |   | –– |   |   |   | –– |   |
| After ten years            |   |               | 16,297  |   |             |   | 15,733 |   |   |   | 211 |   |   |   | 208 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                       |   |               | 26,976  |   |             |   | 26,397 |   |   |   | 321 |   |   |   | 325 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities |   |               | 85,759  |   |             |   | 85,767 |   |   |   | 744 |   |   |   | 743 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Totals                     |   | $                  | 112,735 |   |             | $      | 112,164 |   |   | $ | 1,065 |   |   | $ | 1,068 |   |

----

Index 

| September 30, 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. governmentagencies             |   | $ | –– |   |   | $ | –– |   |   | $ | 385 |   |   | $ | 7 |   |   | $ | 385 |   |   | $ | 7 |   |
| Mortgage-backedsecurities           |   |   | 6,337 |   |   |   | 55 |   |   |   | 4,560 |   |   |   | 181 |   |   |   | 10,897 |   |   |   | 236 |   |
| State and politicalsubdivisions     |   |   | –– |   |   |   | –– |   |   |   | 441 |   |   |   | 4 |   |   |   | 441 |   |   |   | 4 |   |
| Total temporarilyimpairedsecurities |   | $ | 6,337 |   |   | $ | 55 |   |   | $ | 5,386 |   |   | $ | 192 |   |   | $ | 11,723 |   |   | $ | 247 |   |

| 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. governmentagencies              |   | $ | 38 |   |   | $ | 1 |   |   | $ | 359 |   |   | $ | 5 |   |   | $ | 397 |   |   | $ | 6 |   |
| Mortgage-backedsecurities            |   |   | 5,025 |   |   |   | 302 |   |   |   | 6,171 |   |   |   | 354 |   |   |   | 11,196 |   |   |   | 656 |   |
| State and politicalsubdivisions      |   |   | 9,404 |   |   |   | 491 |   |   |   | 406 |   |   |   | 16 |   |   |   | 9,810 |   |   |   | 507 |   |
| Total temporarily impairedsecurities |   | $ | 14,467 |   |   | $ | 794 |   |   | $ | 6,936 |   |   | $ | 375 |   |   | $ | 21,403 |   |   | $ | 1,169 |   |

----

Index 

|                                |   | September 30, 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. governmentagencies             |   | $                   | 436    |   |              | $      | 5 |   |   | $ | –– |   |   | $ | –– |   |   | $ | 436 |   |   | $ | 5 |   |
| Mortgage-backedsecurities           |   |                | 24,026 |   |              |   | 611 |   |   |   | 1,825 |   |   |   | 54 |   |   |   | 25,851 |   |   |   | 664 |   |
| State and politicalsubdivisions     |   |                | 12,047 |   |              |   | 812 |   |   |   | –– |   |   |   | –– |   |   |   | 12,047 |   |   |   | 812 |   |
| Total temporarilyimpairedsecurities |   | $                   | 36,509 |   |              | $      | 1,428 |   |   | $ | 1,825 |   |   | $ | 54 |   |   | $ | 38,334 |   |   | $ | 1,481 |   |

| 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 |
|--------|---------|------------------------------------------------------------------------------------------------------------------------------------------------|

----

Index 

|                            |   |       |    |   | Fair Value Measurements Using                                 |   |
|---------------------------------|--------|------------|---------|--------|---------------------------------------------------------------|--------|
|                            |   | Fair Value |    |   | Quoted Prices in Active Markets for Identical Assets(Level 1) |   |   | Significant Other Observable Inputs(Level 2) |   |   | Significant Unobservable Inputs(Level 3) |   |
|                            |   |       |    |   |                                                          |   |   | (in thousands) |   |   |   |   |
| September 30, 2009              |   |       |    |   |                                                          |   |   |   |   |   |   |   |
| U.S. governmentagencies         |   | $          | 4,976   |   |                                                          | $      | –– |   |   | $ | 4,976 |   |   | $ | –– |   |
| Mortgage-backedsecurities       |   | $          | 87,215  |   |                                                          | $      | –– |   |   | $ | 87,215 |   |   | $ | –– |   |
| State and politicalsubdivisions |   | $          | 21,344  |   |                                                          | $      | –– |   |   | $ | 21,344 |   |   | $ | –– |   |
|                            |   | $          | 113,535 |   |                                                          | $      | –– |   |   | $ | 113,535 |   |   | $ | –– |   |

| March 31, 2009                  |   |   |    |   |   |   |           |   |   |   |    |   |
|---------------------------------|--------|--------|---------|--------|--------|--------|----------------|--------|--------|--------|---------|--------|
| U.S. governmentagencies         |   | $      | 9,304   |   |   | $      | –– |   |   | $      | 9,304   |   |   | $ | –– |   |
| Mortgage-backedsecurities       |   | $      | 88,114  |   |   | $      | –– |   |   | $      | 88,114  |   |   | $ | –– |   |
| State and politicalsubdivisions |   | $      | 20,315  |   |   | $      | –– |   |   | $      | 20,315  |   |   | $ | –– |   |
|                            |   | $      | 117,733 |   |   | $      | –– |   |   | $      | 117,733 |   |   | $ | –– |   |

| September 30, 2008              |   |   |    |   |   |   |           |   |   |   |    |   |
|---------------------------------|--------|--------|---------|--------|--------|--------|----------------|--------|--------|--------|---------|--------|
| U.S. governmentagencies         |   | $      | 8,258   |   |   | $      | –– |   |   | $      | 8,258   |   |   | $ | –– |   |
| Mortgage-backedsecurities       |   | $      | 85,767  |   |   | $      | –– |   |   | $      | 84,224  |   |   | $ | 1,543 |   |
| State and politicalsubdivisions |   | $      | 18,139  |   |   | $      | –– |   |   | $      | 18,139  |   |   | $ | –– |   |
|                            |   | $      | 112,164 |   |   | $      | –– |   |   | $      | 110,621 |   |   | $ | 1,543 |   |

----

Index 

|               |   |       |   |   | Fair Value Measurements Using                                 |   |
|--------------------|--------|------------|--------|--------|---------------------------------------------------------------|--------|
|               |   | Fair Value |   |   | Quoted Prices in Active Markets for Identical Assets(Level 1) |   |   | Significant Other Observable Inputs(Level 2) |   |   | Significant Unobservable Inputs(Level 3) |   |
|               |   |       |   |   |                                                          |   |   | (In thousands) |   |   |   |   |
|               |   |       |   |   |                                                          |   |   |   |   |   |   |   |
| September 30, 2009 |   |       |   |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans     |   | $          | 2,911  |   |                                                          | $      | –– |   |   | $ | –– |   |   | $ | 2,911 |   |
| Foreclosed assets  |   |       | 931    |   |                                                          |   | –– |   |   |   | –– |   |   |   | 931 |   |
|               |   |       |   |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
| March 31, 2009     |   |       |   |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans     |   | $          | 3,264  |   |                                                          | $      | –– |   |   | $ | –– |   |   | $ | 3,264 |   |
| Foreclosed assets  |   |       | 594    |   |                                                          |   | –– |   |   |   | –– |   |   |   | 594 |   |
|               |   |       |   |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
| September 30, 2008 |   |       |   |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans     |   | $          | 953    |   |                                                          | $      | –– |   |   | $ | –– |   |   | $ | 953 |   |
| Foreclosed assets  |   |       | 125    |   |                                                          |   | –– |   |   |   | –– |   |   |   | 125 |   |

----

Index 

|                                          |   | September 30, 2009 |    |   | March 31, 2009 |   |    | September 30, 2008 |   |
|-----------------------------------------------|--------|--------------------|---------|--------|----------------|--------|---------|--------------------|--------|
|                                          |   | Carrying Amount    |    |   | Fair Value     |   |    | Carrying Amount    |   |   | Fair Value |   |   | Carrying Amount |   |   | Fair Value |   |
|                                          |   | (In thousands)     |    |
| Financial assets                              |   |               |    |   |           |   |    |               |   |   |   |   |   |   |   |   |   |   |
| Cash and cashequivalents                      |   | $                  | 6,030   |   |           | $      | 6,030   |               |   | $ | 6,790 |   |   | $ | 6,790 |   |   | $ | 7,326 |   |   | $ | 7,326 |   |
| Available-for-salesecurities                  |   |               | 113,535 |   |           |   | 113,535 |               |   |   | 117,733 |   |   |   | 117,733 |   |   |   | 112,164 |   |   |   | 112,164 |   |
| Held-to-maturitysecurities                    |   |               | 807     |   |           |   | 815     |               |   |   | 952 |   |   |   | 953 |   |   |   | 1,065 |   |   |   | 1,069 |   |
| Loans, net ofallowance forloan losses         |   |               | 254,927 |   |           |   | 262,667 |               |   |   | 254,326 |   |   |   | 263,450 |   |   |   | 251,349 |   |   |   | 253,428 |   |
| Federal HomeLoan Bank stock                   |   |               | 5,025   |   |           |   | 5,025   |               |   |   | 5,025 |   |   |   | 5,025 |   |   |   | 5,025 |   |   |   | 5,025 |   |
|                                          |   |               |    |   |           |   |    |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest receivable                           |   |               | 1,661   |   |           |   | 1,661   |               |   |   | 1,675 |   |   |   | 1,675 |   |   |   | 1,719 |   |   |   | 1,719 |   |
|                                          |   |               |    |   |           |   |    |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Financial liabilities                         |   |               |    |   |           |   |    |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                          |   |               |    |   |           |   |    |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                      |   |               | 300,811 |   |           |   | 296,955 |               |   |   | 309,534 |   |   |   | 305,937 |   |   |   | 309,711 |   |   |   | 301,439 |   |
| Other short-termborrowings                    |   |               | 7,530   |   |           |   | 7,530   |               |   |   | 10,154 |   |   |   | 10,154 |   |   |   | 9,535 |   |   |   | 9,535 |   |
| Federal HomeLoan Bankadvances                 |   |               | 51,000  |   |           |   | 52,340  |               |   |   | 46,000 |   |   |   | 47,411 |   |   |   | 41,000 |   |   |   | 41,451 |   |
| Advances fromborrowers fortaxes and insurance |   |               | 511     |   |           |   | 511     |               |   |   | 551 |   |   |   | 551 |   |   |   | 602 |   |   |   | 602 |   |
|                                          |   |               |    |   |           |   |    |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest payable                              |   |               | 270     |   |           |   | 270     |               |   |   | 351 |   |   |   | 351 |   |   |   | 386 |   |   |   | 386 |   |

----

Index 

----

Index 

Wayne 

----

Index 

|                                |   | September 30, 2009     |    |   | March 31, 2009 |   |   | September 30, 2008 |   |
|-------------------------------------|--------|------------------------|---------|--------|----------------|--------|--------|--------------------|--------|
|                                |   | (Dollars in thousands) |    |
| Mortgage loans:                     |   |                   |    |   |           |   |   |               |   |   |   |   |   |   |   |   |   |   |
| One- to four-family residential(1)  |   | $                      | 140,597 |   |           |   | 53.77  | %                  |   | $ | 141,285 |   |   |   | 54.40 | % |   | $ | 141,347 |   |   |   | 54.99 | % |
| Residential construction loans      |   |                   | 2,140   |   |           |   | 0.82   |               |   |   | 1,587 |   |   |   | 0.61 |   |   |   | 2,219 |   |   |   | 0.86 |   |
| Multi-family residential            |   |                   | 8,779   |   |           |   | 3.36   |               |   |   | 8,604 |   |   |   | 3.31 |   |   |   | 9,079 |   |   |   | 3.53 |   |
| Non-residential real estate/land(2) |   |                   | 70,445  |   |           |   | 26.95  |               |   |   | 70,725 |   |   |   | 27.23 |   |   |   | 71,359 |   |   |   | 27.76 |   |
| Total mortgage loans                |   |                   | 221,961 |   |           |   | 84.90  |               |   |   | 222,201 |   |   |   | 85.55 |   |   |   | 224,004 |   |   |   | 87.14 |   |
| Other loans:                        |   |                   |    |   |           |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Consumer loans(3)                   |   |                   | 4,059   |   |           |   | 1.55   |               |   |   | 4,923 |   |   |   | 1.90 |   |   |   | 5,402 |   |   |   | 2.10 |   |
| Commercial business loans           |   |                   | 35,416  |   |           |   | 13.55  |               |   |   | 32,592 |   |   |   | 12.55 |   |   |   | 27,665 |   |   |   | 10.76 |   |
| Total other loans                   |   |                   | 39,475  |   |           |   | 15.10  |               |   |   | 37,515 |   |   |   | 14.45 |   |   |   | 33,067 |   |   |   | 12.86 |   |
| Total loans before net items        |   |                   | 261,436 |   |           |   | 100.00 | %                  |   |   | 259,716 |   |   |   | 100.00 | % |   |   | 257,071 |   |   |   | 100.00 | % |
| Less:                               |   |                   |    |   |           |   |   |               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans in process                    |   |                   | 3,489   |   |           |   |   |               |   |   | 2,506 |   |   |   |   |   |   |   | 3,388 |   |   |   |   |   |
| Deferred loan origination fees      |   |                   | 407     |   |           |   |   |               |   |   | 400 |   |   |   |   |   |   |   | 397 |   |   |   |   |   |
| Allowance for loan losses           |   |                   | 2,613   |   |           |   |   |               |   |   | 2,484 |   |   |   |   |   |   |   | 1,937 |   |   |   |   |   |
| Total loans receivable, net         |   | $                      | 254,927 |   |           |   |   |               |   | $ | 254,326 |   |   |   |   |   |   | $ | 251,349 |   |   |   |   |   |
| Mortgage-backed securities, net(4)  |   | $                      | 87,756  |   |           |   |   |               |   | $ | 88,788 |   |   |   |   |   |   | $ | 86,511 |   |   |   |   |   |

| (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 September 30, 2009, March 31, 2009, and September 30, 2008, respectively.  Such loans have been underwritten on substantially the same basis as the Company’s first mortgage loans. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | Includes land loans of $202,000, $202,000 and $204,000 at September 30, 2009, March 31, 2009, and September 30, 2008. |
|-----|-----------------------------------------------------------------------------------------------------------------------|

| (3) | Includes second mortgage loans of $1.2 million, $1.3 million and $1.4 million as of September 30, 2009, March 31, 2009, and September 30, 2008, respectively. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

----

Index 

|                                              |   | September 30,2009      |   |   | March 31,2009 |   |           | September 30,2008 |   |
|---------------------------------------------------|--------|------------------------|--------|--------|---------------|--------|----------------|-------------------|--------|
|                                              |   | (Dollars in thousands) |   |
| Past due loans 30-89 days:                        |   |                   |   |   |          |   |           |              |   |
| Mortgage loans:                                   |   |                   |   |   |          |   |           |              |   |
| One- to four-family residential                   |   | $                      | 1,144  |   |          | $      | 491            |              |   | $ | 1,166 |   |
| Multifamily and Nonresidential                    |   |                   | 1,329  |   |          |   | 77             |              |   |   | 38 |   |
| Non-mortgage loans:                               |   |                   |   |   |          |   |           |              |   |   |   |   |
| Commercial business loans                         |   |                   | 139    |   |          |   | –– |              |   |   | –– |   |
| Consumer loans                                    |   |                   | 0      |   |          |   | 18             |              |   |   | 28 |   |
|                                              |   | $                      | 2,612  |   |          | $      | 586            |              |   | $ | 1,232 |   |
|                                              |   |                   |   |   |          |   |           |              |   |   |   |   |
| Non-performing loans:                             |   |                   |   |   |          |   |           |              |   |   |   |   |
| Mortgage loans:                                   |   |                   |   |   |          |   |           |              |   |   |   |   |
| One- to four-family residential                   |   | $                      | 1,205  |   |          | $      | 1,409          |              |   | $ | 1,427 |   |
| All other mortgage loans                          |   |                   | 2,925  |   |          |   | 3,027          |              |   |   | 1,051 |   |
| Non-mortgage loans:                               |   |                   |   |   |          |   |           |              |   |   |   |   |
| Commercial business loans                         |   |                   | 413    |   |          |   | 558            |              |   |   | 120 |   |
| Consumer                                          |   |                   | 8      |   |          |   | 4              |              |   |   | 1 |   |
| Total non-performing loans                        |   |                   | 4,551  |   |          |   | 4,998          |              |   |   | 2,599 |   |
| Total foreclosed assets held for sale             |   |                   | 931    |   |          |   | 594            |              |   |   | 125 |   |
| Total non-performing assets                       |   | $                      | 5,482  |   |          | $      | 5,592          |              |   | $ | 2,724 |   |
|                                              |   |                   |   |   |          |   |           |              |   |   |   |   |
|                                              |   |                   |   |   |          |   |           |              |   |   |   |   |
| Total non-performing loans to netloans receivable |   |                   | 1.79   | %      |          |   | 1.97           | %                 |   |   | 1.03 | % |
| Total non-performing loans to totalassets         |   |                   | 1.14   | %      |          |   | 1.24           | %                 |   |   | 0.66 | % |
| Total non-performing assets to totalassets        |   |                   | 1.37   | %      |          |   | 1.38           | %                 |   |   | 0.69 | % |

----

Index 

|                                                                           |   | For the sixmonths endedSeptember 30, 2009 |           |   | For theyear endedMarch 31, 2009 |   |    | For the sixmonths endedSeptember 30, 2008 |   |
|--------------------------------------------------------------------------------|--------|-------------------------------------------|----------------|--------|---------------------------------|--------|---------|-------------------------------------------|--------|
|                                                                           |   |                                      |           |   |                            |   |    |                                      |   |
|                                                                           |   | (Dollars in thousands)                    |           |
|                                                                           |   |                                      |           |   |                            |   |    |                                      |   |
| Loans receivable, net                                                          |   | $                                         | 254,927        |   |                            | $      | 254,326 |                                      |   | $ | 251,359 |   |
| Average loans receivable, net                                                  |   | $                                         | 252,720        |   |                            | $      | 250,220 |                                      |   | $ | 245,039 |   |
| Allowance balance (at beginning ofperiod)                                      |   | $                                         | 2,484          |   |                            | $      | 1,777   |                                      |   | $ | 1,777 |   |
| Provision for losses                                                           |   |                                      | 545            |   |                            |   | 1,068   |                                      |   |   | 161 |   |
| Charge-offs:                                                                   |   |                                      |           |   |                            |   |    |                                      |   |   |   |   |
| Mortgage loans:                                                                |   |                                      |           |   |                            |   |    |                                      |   |   |   |   |
| One- to four-family                                                            |   |                                      | (119           | )      |                            |   | (49     | )                                         |   |   | (2 | ) |
| Non-residential real estate and land                                           |   |                                      | (104           | )      |                            |   | (245    | )                                         |   |   | –– |   |
| Other loans:                                                                   |   |                                      |           |   |                            |   |    |                                      |   |   |   |   |
| Consumer                                                                       |   |                                      | –– |   |                            |   | (3      | )                                         |   |   | (3 | ) |
| Commercial                                                                     |   |                                      | (194           | )      |                            |   | (74     | )                                         |   |   | –– |   |
| Gross charge-offs                                                              |   |                                      | (417           | )      |                            |   | (371    | )                                         |   |   | (5 | ) |
| Recoveries:                                                                    |   |                                      |           |   |                            |   |    |                                      |   |   |   |   |
| Other loans:                                                                   |   |                                      |           |   |                            |   |    |                                      |   |   |   |   |
| Consumer                                                                       |   |                                      | 1              |   |                            |   | 10      |                                      |   |   | 4 |   |
| Gross recoveries                                                               |   |                                      | 1              |   |                            |   | 10      |                                      |   |   | 4 |   |
| Net charge-offs                                                                |   |                                      | (416           | )      |                            |   | (361    | )                                         |   |   | (1 | ) |
|                                                                           |   |                                      |           |   |                            |   |    |                                      |   |   |   |   |
| Allowance for loan losses balance(at end of period)                            |   | $                                         | 2,613          |   |                            | $      | 2,484   |                                      |   | $ | 1,937 |   |
| Allowance for loan losses as a percentof loans receivable, net at end ofperiod |   |                                      | 1.02           | %      |                            |   | 0.97    | %                                         |   |   | 0.77 | % |
| Net loans charged off as a percent ofaverage loans receivable, net             |   |                                      | 0.16           | %      |                            |   | 0.14    | %                                         |   |   | 0.00 | % |
| Ratio of allowance for loan lossesto non- performing loans at end ofperiod     |   |                                      | 57.42          | %      |                            |   | 49.70   | %                                         |   |   | 74.53 | % |

----

Index 

----

Index 

|                                                                                                               |   | For the six months ended September 30, |    |
|--------------------------------------------------------------------------------------------------------------------|--------|----------------------------------------|---------|
|                                                                                                               |   | 2009                                   |    |   | 2008 |   |
|                                                                                                               |   | Average Balance                        |    |   | Interest |   |   | AverageRate |   |   | Average Balance |   |   | Interest |   |   | Average Rate |   |
|                                                                                                               |   | (Dollars in thousands)                 |    |
| Interest-earning assets:                                                                                           |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans receivable, net1                                                                                             |   | $                                      | 252,720 |   |   | $ | 7,314 |   |   |   | 5.79 | % |   | $ | 245,039 |   |   | $ | 7,681 |   |   |   | 6.27 | % |
| Investment securities2                                                                                             |   |                                   | 115,109 |   |   |   | 2,781 |   |   |   | 4.83 |   |   |   | 121,449 |   |   |   | 3,012 |   |   |   | 4.96 |   |
| Interest-earning deposits3                                                                                         |   |                                   | 13,052  |   |   |   | 122 |   |   |   | 1.87 |   |   |   | 11,952 |   |   |   | 171 |   |   |   | 2.86 |   |
| Total interest-earning assets                                                                                      |   |                                   | 380,881 |   |   |   | 10,217 |   |   |   | 5.36 |   |   |   | 378,440 |   |   |   | 10,864 |   |   |   | 5.74 |   |
| Noninterest-earning assets                                                                                         |   |                                   | 23,206  |   |   |   |   |   |   |   |   |   |   |   | 21,545 |   |   |   |   |   |   |   |   |   |
|                                                                                                               |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total assets                                                                                                       |   | $                                      | 404,087 |   |   |   |   |   |   |   |   |   |   | $ | 399,985 |   |   |   |   |   |   |   |   |   |
|                                                                                                               |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                                                      |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                                           |   | $                                      | 307,149 |   |   |   | 2,621 |   |   |   | 1.71 |   |   | $ | 313,920 |   |   |   | 3,990 |   |   |   | 2.54 |   |
| Other short-term borrowings                                                                                        |   |                                   | 9,361   |   |   |   | 19 |   |   |   | 0.41 |   |   |   | 8,577 |   |   |   | 44 |   |   |   | 1.03 |   |
| Borrowings                                                                                                         |   |                                   | 47,599  |   |   |   | 995 |   |   |   | 4.18 |   |   |   | 40,365 |   |   |   | 935 |   |   |   | 4.63 |   |
| Total interest-bearing liabilities                                                                                 |   |                                   | 364,109 |   |   |   | 3,635 |   |   |   | 2.00 |   |   |   | 362,862 |   |   |   | 4,969 |   |   |   | 2.74 |   |
|                                                                                                               |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest bearing  liabilities                                                                         |   |                                   | 3,283   |   |   |   |   |   |   |   |   |   |   |   | 4,173 |   |   |   |   |   |   |   |   |   |
| Total liabilities                                                                                                  |   |                                   | 367,392 |   |   |   |   |   |   |   |   |   |   |   | 367,035 |   |   |   |   |   |   |   |   |   |
| Stockholders’ equity                                                                                         |   |                                   | 35,680  |   |   |   |   |   |   |   |   |   |   |   | 32,950 |   |   |   |   |   |   |   |   |   |
| Total liabilities and      stockholders’       equity |   | $                                      | 404,087 |   |   |   |   |   |   |   |   |   |   | $ | 399,985 |   |   |   |   |   |   |   |   |   |
| Net interest income                                                                                                |   |                                   |    |   |   | $ | 6,582 |   |   |   |   |   |   |   |   |   |   | $ | 5,895 |   |   |   |   |   |
| Interest rate spread4                                                                                              |   |                                   |    |   |   |   |   |   |   |   | 3.36 | % |   |   |   |   |   |   |   |   |   |   | 3.00 | % |
| Net yield on interest-earning assets5                                                                              |   |                                   |    |   |   |   |   |   |   |   | 3.46 | % |   |   |   |   |   |   |   |   |   |   | 3.12 | % |
| Ratio of average interest-earning assets to averageinterest-bearing liabilities                                    |   |                                   |    |   |   |   |   |   |   |   | 104.61 | % |   |   |   |   |   |   |   |   |   |   | 104.29 | % |

| 1 | Includes non-accrual loan balances. |
|---|-------------------------------------|

| 2 | Includes mortgage-backed securities both designated as available for sale and held to maturity. |
|---|-------------------------------------------------------------------------------------------------|

| 3 | Includes federal funds sold and interest-bearing deposits in other financial institutions. |
|---|--------------------------------------------------------------------------------------------|

| 4 | Interest rate spread represents the difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities. |
|---|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5 | Net yield on interest-earning assets represents net interest income as a percentage of average interest-earning assets. |
|---|-------------------------------------------------------------------------------------------------------------------------|

----

Index 

----

Index 

----

Index 

----

Index 

|                                                                            |   | For the three months ended September 30, |    |
|---------------------------------------------------------------------------------|--------|------------------------------------------|---------|
|                                                                            |   | 2009                                     |    |   | 2008 |   |
|                                                                            |   | Average Balance                          |    |   | Interest |   |   | AverageRate |   |   | Average Balance |   |   | Interest |   |   | Average Rate |   |
|                                                                            |   | (Dollars in thousands)                   |    |
| Interest-earning assets:                                                        |   |                                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans receivable, net(1)                                                        |   | $                                        | 253,295 |   |   | $ | 3,632 |   |   |   | 5.74 | % |   | $ | 247,184 |   |   | $ | 3,867 |   |   |   | 6.26 | % |
| Investment securities(2)                                                        |   |                                     | 114,532 |   |   |   | 1,378 |   |   |   | 4.81 |   |   |   | 119,054 |   |   |   | 1,493 |   |   |   | 5.02 |   |
| Interest-earning deposits(3)                                                    |   |                                     | 10,966  |   |   |   | 65 |   |   |   | 2.37 |   |   |   | 9,227 |   |   |   | 72 |   |   |   | 3.12 |   |
| Total interest-earning assets                                                   |   |                                     | 378,793 |   |   |   | 5,075 |   |   |   | 5.36 |   |   |   | 375,465 |   |   |   | 5,432 |   |   |   | 5.79 |   |
| Noninterest-earning assets                                                      |   |                                     | 23,254  |   |   |   |   |   |   |   |   |   |   |   | 21,424 |   |   |   |   |   |   |   |   |   |
|                                                                            |   |                                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total assets                                                                    |   | $                                        | 402,047 |   |   |   |   |   |   |   |   |   |   | $ | 396,889 |   |   |   |   |   |   |   |   |   |
|                                                                            |   |                                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                   |   |                                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                        |   | $                                        | 305,283 |   |   |   | 1,239 |   |   |   | 1.62 |   |   | $ | 310,999 |   |   |   | 1,894 |   |   |   | 2.44 |   |
| Other short-term borrowings                                                     |   |                                     | 8,884   |   |   |   | 9 |   |   |   | 0.41 |   |   |   | 9,195 |   |   |   | 23 |   |   |   | 1.00 |   |
| Borrowings                                                                      |   |                                     | 47,791  |   |   |   | 493 |   |   |   | 4.13 |   |   |   | 40,724 |   |   |   | 465 |   |   |   | 4.57 |   |
| Total interest-bearing liabilities                                              |   |                                     | 361,958 |   |   |   | 1,741 |   |   |   | 1.92 |   |   |   | 360,918 |   |   |   | 2,382 |   |   |   | 2.64 |   |
|                                                                            |   |                                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest bearingliabilities                                                  |   |                                     | 4,046   |   |   |   |   |   |   |   |   |   |   |   | 3,392 |   |   |   |   |   |   |   |   |   |
| Total liabilities                                                               |   |                                     | 366,004 |   |   |   |   |   |   |   |   |   |   |   | 364,310 |   |   |   |   |   |   |   |   |   |
| Stockholders’ equity                                                      |   |                                     | 36,043  |   |   |   |   |   |   |   |   |   |   |   | 32,579 |   |   |   |   |   |   |   |   |   |
| Total liabilities andstockholders’equity                                  |   | $                                        | 402,047 |   |   |   |   |   |   |   |   |   |   | $ | 396,889 |   |   |   |   |   |   |   |   |   |
| Net interest income                                                             |   |                                     |    |   |   | $ | 3,334 |   |   |   |   |   |   |   |   |   |   | $ | 3,050 |   |   |   |   |   |
| Interest rate spread(4)                                                         |   |                                     |    |   |   |   |   |   |   |   | 3.44 | % |   |   |   |   |   |   |   |   |   |   | 3.15 | % |
| Net yield on interest-earning assets(5)                                         |   |                                     |    |   |   |   |   |   |   |   | 3.52 | % |   |   |   |   |   |   |   |   |   |   | 3.25 | % |
| Ratio of average interest-earning assets to averageinterest-bearing liabilities |   |                                     |    |   |   |   |   |   |   |   | 104.65 | % |   |   |   |   |   |   |   |   |   |   | 104.03 | % |

| (1) | Includes non-accrual loan balances. |
|-----|-------------------------------------|

| (2) | Includes mortgage-backed securities both designated as available for sale and held to maturity. |
|-----|-------------------------------------------------------------------------------------------------|

| (3) | Includes federal funds sold and interest-bearing deposits in other financial institutions. |
|-----|--------------------------------------------------------------------------------------------|

| (4) | Interest rate spread represents the difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

| (5) | Net yield on interest-earning assets represents net interest income as a percentage of average interest-earning assets. |
|-----|-------------------------------------------------------------------------------------------------------------------------|

----

Index 

----

Index 

----

Index 

----

Index 

----

Index 

| ITEM 3 | Quantitative and Qualitative Disclosures About Market Risk |
|--------|------------------------------------------------------------|

| ITEM 4T | Controls and Procedures |
|---------|-------------------------|

|   | (a) | Evaluation of disclosure controls and procedures. |
|--------|-----|---------------------------------------------------|

|   | (b) | Changes in internal controls. |
|--------|-----|-------------------------------|

----

Index 

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

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

| 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 |
|---------|---------------------------------|

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

| James C. Morgan   | For:  2,246,369 | Withheld:  122,821 |
|-------------------|---------------------------|------------------------------|
| Rodney C. Steiger | For:  2,241,699 | Withheld:  127,491 |

| For:    2,313,811 | Against:    39,304 | Abstain: 16,075 |
|---------------------------------------|----------------------------------------|-----------------|

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

----

Index 

| 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 |
|--------|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

Index 

SIGNATURES

| Date:  | November 9, 2009 |   | By:    | /s/Phillip E. Becker                  |   |
|--------|------------------|--------|--------|---------------------------------------|--------|
|   |             |   |   | Phillip E. Becker                     |   |
|   |             |   |   | President and Chief Executive Officer |   |
|   |             |   |   |                                  |   |
| Date:  | November 9, 2009 |   | By:    | /s/H. Stewart Fitz Gibbon III         |   |
|   |             |   |   | H. Stewart Fitz Gibbon III            |   |
|   |             |   |   | Executive Vice President and          |   |
|   |             |   |   | Chief Financial Officer               |   |

----