----

|                                                                  |   | Three                  Months Ended |      |   | Three                  Months Ended |      | Six                  Months Ended |   |      | Six                  Months Ended |   |
|-----------------------------------------------------------------------|--------|-------------------------------------|-----------|--------|-------------------------------------|-----------|-----------------------------------|--------|-----------|-----------------------------------|--------|
|                                                                  |   | June                  30, 2007      |      |   | June                  30, 2006      |      | June                  30, 2007    |   |      | June                  30, 2006    |   |
|                                                                  |   |                                |      |   |                                |      |                              |   |      |                              |   |
| Income                  available to common stockholders              |   | $                                   | 16,269    |   | $                                   | 94,777    |                              | $      | 50,938    |                              |   | $ | 181,043 |   |
|                                                                  |   |                                |      |   |                                |      |                              |   |      |                              |   |   |   |   |
| Weighted                  average shares outstanding                  |   |                                | 1,788,506 |   |                                | 1,794,046 |                              |   | 1,788,294 |                              |   |   | 1,800,163 |   |
|                                                                  |   |                                |      |   |                                |      |                              |   |      |                              |   |   |   |   |
| Basic                  earnings per share                             |   | $                                   | 0.01      |   | $                                   | 0.05      |                              | $      | 0.03      |                              |   | $ | 0.10 |   |
|                                                                  |   |                                |      |   |                                |      |                              |   |      |                              |   |   |   |   |
| Income                  for diluted earnings per share                |   | $                                   | 16,269    |   | $                                   | 94,777    |                              | $      | 50,938    |                              |   | $ | 181,043 |   |
|                                                                  |   |                                |      |   |                                |      |                              |   |      |                              |   |   |   |   |
| Total                  weighted average common shares and equivalents |   |                                |      |   |                                |      |                              |   |      |                              |   |   |   |   |
| outstanding                  for diluted computation                  |   |                                | 1,788,506 |   |                                | 1,798,922 |                              |   | 1,794,698 |                              |   |   | 1,804,325 |   |
|                                                                  |   |                                |      |   |                                |      |                              |   |      |                              |   |   |   |   |
| Diluted                  earnings per share                           |   | $                                   | 0.01      |   | $                                   | 0.05      |                              | $      | 0.03      |                              |   | $ | 0.10 |   |
|                                                                  |   |                                |      |   |                                |      |                              |   |      |                              |   |   |   |   |