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|                                    |   | Three months ended |      |   | Three months ended |   |      | Six months ended |   |   | Six months ended |   |
|-----------------------------------------|--------|------------------------------|-----------|--------|------------------------------|--------|-----------|----------------------------|--------|--------|----------------------------|--------|
|                                    |   | June 30, 2010                |      |   | June 30, 2009                |   |      | June 30, 2010              |   |   | June 30, 2009              |   |
|                                    |   |                         |      |   |                         |   |      |                       |   |   |                       |   |
| Income available to common stockholders |   | $                            | 145,788   |   |                         | $      | 6,704     |                       |   | $      | 285,878                    |   |   | $ | 330,571 |   |
|                                    |   |                         |      |   |                         |   |      |                       |   |   |                       |   |   |   |   |   |
| Weighted average shares outstanding     |   |                         | 2,666,191 |   |                         |   | 2,660,923 |                       |   |   | 2,665,537                  |   |   |   | 2,660,573 |   |
|                                    |   |                         |      |   |                         |   |      |                       |   |   |                       |   |   |   |   |   |
| Basic earnings per share                |   | $                            | 0.05      |   |                         | $      | 0.00      |                       |   | $      | 0.11                       |   |   | $ | 0.12 |   |
|                                    |   |                         |      |   |                         |   |      |                       |   |   |                       |   |   |   |   |   |
|                                    |   |                         |      |   |                         |   |      |                       |   |   |                       |   |   |   |   |   |
| Income for diluted earnings per share   |   | $                            | 145,788   |   |                         | $      | 6,704     |                       |   | $      | 285,878                    |   |   | $ | 330,571 |   |
|                                    |   |                         |      |   |                         |   |      |                       |   |   |                       |   |   |   |   |   |
| Total weighted average common shares    |   |                         |      |   |                         |   |      |                       |   |   |                       |   |   |   |   |   |
| and equivalents outstanding for         |   |                         |      |   |                         |   |      |                       |   |   |                       |   |   |   |   |   |
| diluted computation                     |   |                         | 2,666,191 |   |                         |   | 2,660,923 |                       |   |   | 2,665,537                  |   |   |   | 2,660,573 |   |
|                                    |   |                         |      |   |                         |   |      |                       |   |   |                       |   |   |   |   |   |
| Diluted earnings per share              |   | $                            | 0.05      |   |                         | $      | 0.00      |                       |   | $      | 0.11                       |   |   | $ | 0.12 |   |

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