**UNITED      STATES**

**SECURITIES      AND EXCHANGE COMMISSION**

**Washington,      D.C. 20549**

**———————————**

**FORM      10-Q**

| x |   | **QUARTERLY                REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE                ACT OF                1934**  |
|---|--------|------------------------------------------------------------------------------------------------------------------------------------------------|

**For      the Quarterly Period Ended June 30, 2007**

**OR**

|  |   | **TRANSITION                REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE                ACT OF                1934** |
|----------|--------|-------------------------------------------------------------------------------------------------------------------------------------------|

**For      the transition period from _______________ to      _______________**

**Commission      File Number 000-30707**

**First      Northern Community Bancorp**

| **California**                                                                | **68-0450397**                                         |
|-------------------------------------------------------------------------------|--------------------------------------------------------|
| (State                or other jurisdiction of incorporation or organization) | (I.R.S.                Employer Identification Number) |

| **195                N. First Street, Dixon, California** | **95620**                 |
|-----------------------------------------------------------|---------------------------|
| (Address                of principal executive offices)   | (Zip                Code) |

**707-678-3041**

| **Yes  **x | **No  ** ̈ |
|----------------------|--------------------------|

| **Large                accelerated filer   ** ̈ | **Accelerated                filer  **x | **Non-accelerated                filer  ** ̈ |
|--------------------------------------------------------------------|---------------------------------------------------|------------------------------------------------------------|

| **                       Yes  ** ̈ | **                        No  **x |
|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|

----

**FIRST      NORTHERN COMMUNITY BANCORP**

**INDEX**

|                                                                    |   | **Page**                                                                                                                        |
|-------------------------------------------------------------------------|--------|---------------------------------------------------------------------------------------------------------------------------------|
|                                                                    |   |                                                                                                                            |
| **PART                I:    FINANCIAL INFORMATION** |   |                                                                                                                            |
|                                                                    |   |                                                                                                                            |   |   |
| Item                1                                                   |   | Consolidated                Financial Statements                                                                                |   |   |
|                                                                    |   |                                                                                                                            |   |   |
|                                                                    |   | Unaudited                Condensed Consolidated Balance Sheets                                                                  |   | 3 |
|                                                                    |   |                                                                                                                            |   |   |
|                                                                    |   | Unaudited                Condensed Consolidated Statements of Income                                                            |   | 4 |
|                                                                    |   |                                                                                                                            |   |   |
|                                                                    |   | Unaudited                Condensed Consolidated Statement of Stockholders’ Equity and Comprehensive                Income |   | 5 |
|                                                                    |   |                                                                                                                            |   |   |
|                                                                    |   | Unaudited                Condensed Consolidated Statements of Cash Flows                                                        |   | 6 |
|                                                                    |   |                                                                                                                            |   |   |
|                                                                    |   | Notes                to Unaudited Condensed Consolidated Financial Statements                                                   |   | 7 |
|                                                                    |   |                                                                                                                            |   |   |
| Item                2                                                   |   | Management’s                Discussion and Analysis of Financial Condition and Results of                Operations       |   | 16 |
|                                                                    |   |                                                                                                                            |   |   |
| Item                3                                                   |   | Quantitative                and Qualitative Disclosures About Market Risk                                                       |   | 31 |
|                                                                    |   |                                                                                                                            |   |   |
| Item                4                                                   |   | Controls                and Procedures                                                                                          |   | 31 |
|                                                                    |   |                                                                                                                            |   |   |
| **PART                II:    OTHER INFORMATION**    |   |                                                                                                                            |
|                                                                    |   |                                                                                                                            |   |   |
| Item                1A                                                  |   | Risk                Factors                                                                                                     |   | 32 |
|                                                                    |   |                                                                                                                            |   |   |
| Item                2                                                   |   | Unregistered                Sales of Equity Securities and Use of Proceeds                                                      |   | 32 |
|                                                                    |   |                                                                                                                            |   |   |
| Item                4                                                   |   | Submission                of Matters to a Vote of Security Holders                                                              |   | 33 |
|                                                                    |   |                                                                                                                            |   |   |
| Item                6                                                   |   | Exhibits                                                                                                                        |   | 34 |
|                                                                    |   |                                                                                                                            |   |   |
| Signatures                                                              |   | 34                                                                                                                              |

----

**PART      I - FINANCIAL INFORMATION**

**ITEM      1.**

**CONSOLIDATED      FINANCIAL STATEMENTS**

***CONDENSED      CONSOLIDATED BALANCE SHEETS***

|                                                                                                                                                                   |   | (UNAUDITED)                  |    |   |                             |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------------|---------|--------|----------------------------------|--------|
|                                                                                                                                                                   |   | June                30, 2007 |    |   | December                31, 2006 |   |
| ASSETS                                                                                                                                                                 |   |                         |    |   |                             |   |
| Cash                and due from banks                                                                                                                                 |   | $                            | 24,370  |   |                             | $      | 35,531 |   |
| Federal                funds sold                                                                                                                                      |   |                         | 55,655  |   |                             |   | 62,470 |   |
| Investment                securities – available-for-sale                                                                                                        |   |                         | 88,889  |   |                             |   | 74,180 |   |
| Loans,                net of allowance for loan losses of                                                                                                              |   |                         |    |   |                             |   |   |   |
| $8,384                at June 30, 2007 and $8,361 at December 31, 2006                                                                                                 |   |                         | 480,744 |   |                             |   | 475,549 |   |
| Loans                held-for-sale                                                                                                                                     |   |                         | 8,243   |   |                             |   | 4,460 |   |
| Other                interest earning assets                                                                                                                           |   |                         | 2,146   |   |                             |   | 2,093 |   |
| Premises                and equipment, net                                                                                                                             |   |                         | 8,127   |   |                             |   | 8,060 |   |
| Other                Real Estate Owned                                                                                                                                 |   |                         | 1,100   |   |                             |   | 375 |   |
| Accrued                interest receivable and other assets                                                                                                            |   |                         | 23,835  |   |                             |   | 22,507 |   |
|        TOTAL ASSETS                                                                                                            |   | $                            | 693,109 |   |                             | $      | 685,225 |   |
|                                                                                                                                                                   |   |                         |    |   |                             |   |   |   |
| LIABILITIES                AND STOCKHOLDERS' EQUITY                                                                                                                    |   |                         |    |   |                             |   |   |   |
| Liabilities                                                                                                                                                            |   |                         |    |   |                             |   |   |   |
|                                                                                                                                                                   |   |                         |    |   |                             |   |   |   |
| Deposits                                                                                                                                                               |   |                         |    |   |                             |   |   |   |
| Demand                deposits                                                                                                                                         |   | $                            | 182,043 |   |                             | $      | 197,498 |   |
| Interest-bearing                transaction deposits                                                                                                                   |   |                         | 135,560 |   |                             |   | 117,620 |   |
| Savings                and MMDA's                                                                                                                                      |   |                         | 176,162 |   |                             |   | 175,128 |   |
| Time,                under $100,000                                                                                                                                    |   |                         | 45,714  |   |                             |   | 47,137 |   |
| Time,                $100,000 and over                                                                                                                                 |   |                         | 72,068  |   |                             |   | 66,299 |   |
|        Total deposits                                                                                                          |   |                         | 611,547 |   |                             |   | 603,682 |   |
| FHLB                Advances and other borrowings                                                                                                                      |   |                         | 11,189  |   |                             |   | 10,981 |   |
| Accrued                interest payable and other liabilities                                                                                                          |   |                         | 6,971   |   |                             |   | 8,572 |   |
|        TOTAL LIABILITIES                                                                                                       |   |                         | 629,707 |   |                             |   | 623,235 |   |
|                                                                                                                                                                   |   |                         |    |   |                             |   |   |   |
| Stockholders'                equity                                                                                                                                    |   |                         |    |   |                             |   |   |   |
| Common                stock, no par value; 16,000,000 shares authorized;                                                                                               |   |                         |    |   |                             |   |   |   |
| 8,367,933                shares issued and outstanding at June 30, 2007 and 7,980,952 shares                issued                and outstanding at December 31, 2006 |   |                         | 54,609  |   |                             |   | 45,726 |   |
| Additional                paid in capital                                                                                                                              |   |                         | 977     |   |                             |   | 977 |   |
| Retained                earnings                                                                                                                                       |   |                         | 9,003   |   |                             |   | 15,792 |   |
| Accumulated                other comprehensive loss                                                                                                                    |   |                         | (1,187  | )      |                             |   | (505 | ) |
|        TOTAL STOCKHOLDERS' EQUITY                                                                                         |   |                         | 63,402  |   |                             |   | 61,990 |   |
|                                                                                                                                                                   |   |                         |    |   |                             |   |   |   |
|        TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                                                               |   | $                            | 693,109 |   |                             | $      | 685,225 |   |

----

***UNAUDITED      CONDENSED CONSOLIDATED STATEMENTS OF INCOME***

|                                                                                                                                                                                                                                                                                                                                           |   | Three                months  |   |   | Three                months  |   |    | Six                months    |   |   | Six                months    |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------------|--------|--------|------------------------------|--------|---------|------------------------------|--------|--------|------------------------------|--------|
|                                                                                                                                                                                                                                                                                                                                           |   | ended                        |   |   | ended                        |   |    | ended                        |   |   | ended                        |   |
|                                                                                                                                                                                                                                                                                                                                           |   | June                30, 2007 |   |   | June                30, 2006 |   |    | June                30, 2007 |   |   | June                30, 2006 |   |
| Interest Income                                                                                                                                                                                                                                                                                                                           |   |                         |   |   |                         |   |    |                         |   |   |                         |   |
|      Loans                                                                                                                                                                                                                                                                                                            |   | $                            | 10,379 |   |                         | $      | 10,435  |                         |   | $      | 20,754                       |   |   | $ | 20,119 |   |
|      Federal funds sold                                                                                                                                                                                                                                                                                     |   |                         | 992    |   |                         |   | 651     |                         |   |   | 1,852                        |   |   |   | 1,611 |   |
|      Investment securities                                                                                                                                                                                                                                                                                       |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
|           Taxable                                                                                                                                                                                                                                                                            |   |                         | 684    |   |                         |   | 638     |                         |   |   | 1,334                        |   |   |   | 1,170 |   |
|           Non-taxable                                                                                                                                                                                                                                                                        |   |                         | 302    |   |                         |   | 143     |                         |   |   | 580                          |   |   |   | 274 |   |
|      Other                interest earning assets                                                                                                                                                                                                                                                                     |   |                         | 31     |   |                         |   | 29      |                         |   |   | 60                           |   |   |   | 53 |   |
|                Total interest income                                                                                                                                                                                                                      |   |                         | 12,388 |   |                         |   | 11,896  |                         |   |   | 24,580                       |   |   |   | 23,227 |   |
|                                                                                                                                                                                                                                                                                                                                           |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
| Interest Expense                                                                                                                                                                                                                                                                                                                          |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
|      Deposits                                                                                                                                                                                                                                                                                                         |   |                         | 3,098  |   |                         |   | 2,038   |                         |   |   | 5,990                        |   |   |   | 3,843 |   |
|      Other borrowings                                                                                                                                                                                                                                                                                            |   |                         | 89     |   |                         |   | 82      |                         |   |   | 166                          |   |   |   | 216 |   |
|                Total interest expense                                                                                                                                                                                                                     |   |                         | 3,187  |   |                         |   | 2,120   |                         |   |   | 6,156                        |   |   |   | 4,059 |   |
|                Net interest income                                                                                                                                                                                                                        |   |                         | 9,201  |   |                         |   | 9,776   |                         |   |   | 18,424                       |   |   |   | 19,168 |   |
| Provision (recovery                of provision) for  loan losses                                                                                                                                                                                                                                                          |   |                         | 430    |   |                         |   | 350     |                         |   |   | 260                          |   |   |   | (225 | ) |
|                                                                                                                                                                                                                                                                                                                                           |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
|                Net interest income after provision                    (recovery                of provision) for loan losses |   |                         | 8,771  |   |                         |   | 9,426   |                         |   |   | 18,164                       |   |   |   | 19,393 |   |
|                                                                                                                                                                                                                                                                                                                                           |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
| Other operating income                                                                                                                                                                                                                                                                                                               |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
|      Service charges on deposit accounts                                                                                                                                                                                                                                                          |   |                         | 816    |   |                         |   | 680     |                         |   |   | 1,609                        |   |   |   | 1,301 |   |
|      Gain                (loss) on sales of other real estate                owned                                                                                                                                                                                                                |   |                         | 179    |   |                         |   | (1      | )                            |   |   | 179                          |   |   |   | 6 |   |
|      Gains on sales of loans                held-for-sale                                                                                                                                                                                                                                         |   |                         | 138    |   |                         |   | 55      |                         |   |   | 184                          |   |   |   | 92 |   |
|      Investment and brokerage services income                                                                                                                                                                                                                                                     |   |                         | 37     |   |                         |   | 67      |                         |   |   | 104                          |   |   |   | 112 |   |
|      Mortgage brokerage income                                                                                                                                                                                                                                                                              |   |                         | 8      |   |                         |   | 124     |                         |   |   | 77                           |   |   |   | 209 |   |
|      Loan servicing income                                                                                                                                                                                                                                                                                  |   |                         | 91     |   |                         |   | 76      |                         |   |   | 166                          |   |   |   | 144 |   |
|      Fiduciary                activities income                                                                                                                                                                                                                                                                       |   |                         | 80     |   |                         |   | 42      |                         |   |   | 145                          |   |   |   | 75 |   |
|      ATM fees                                                                                                                                                                                                                                                                                                    |   |                         | 73     |   |                         |   | 64      |                         |   |   | 139                          |   |   |   | 133 |   |
|      Signature                based transaction fees                                                                                                                                                                                                                                                                  |   |                         | 129    |   |                         |   | 89      |                         |   |   | 243                          |   |   |   | 170 |   |
|      Other income                                                                                                                                                                                                                                                                                                |   |                         | 157    |   |                         |   | 167     |                         |   |   | 360                          |   |   |   | 330 |   |
|                Total other operating income                                                                                                                                                                                                          |   |                         | 1,708  |   |                         |   | 1,363   |                         |   |   | 3,206                        |   |   |   | 2,572 |   |
|                                                                                                                                                                                                                                                                                                                                           |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
| Other operating expenses                                                                                                                                                                                                                                                                                                             |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
|      Salaries and employee benefits                                                                                                                                                                                                                                                                    |   |                         | 4,337  |   |                         |   | 4,347   |                         |   |   | 8,810                        |   |   |   | 8,890 |   |
|      Occupancy and equipment                                                                                                                                                                                                                                                                                |   |                         | 899    |   |                         |   | 885     |                         |   |   | 1,897                        |   |   |   | 1,740 |   |
|      Data processing                                                                                                                                                                                                                                                                                             |   |                         | 385    |   |                         |   | 385     |                         |   |   | 793                          |   |   |   | 714 |   |
|      Stationery and supplies                                                                                                                                                                                                                                                                                |   |                         | 141    |   |                         |   | 117     |                         |   |   | 287                          |   |   |   | 240 |   |
|      Advertising                                                                                                                                                                                                                                                                                                      |   |                         | 218    |   |                         |   | 233     |                         |   |   | 429                          |   |   |   | 449 |   |
|      Directors’ fees                                                                                                                                                                                                                                                                                       |   |                         | 46     |   |                         |   | 32      |                         |   |   | 100                          |   |   |   | 66 |   |
|      Other                real estate owned expense                                                                                                                                                                                                                                                                   |   |                         | 18     |   |                         |   | — |                         |   |   | 18                           |   |   |   | — |   |
|      Other expense                                                                                                                                                                                                                                                                                               |   |                         | 1,383  |   |                         |   | 1,142   |                         |   |   | 2,739                        |   |   |   | 2,369 |   |
|                Total other operating expenses                                                                                                                                                                                                        |   |                         | 7,427  |   |                         |   | 7,141   |                         |   |   | 15,073                       |   |   |   | 14,468 |   |
|                                                                                                                                                                                                                                                                                                                                           |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
|                Income before income tax expense                                                                                                                                                                                                 |   |                         | 3,052  |   |                         |   | 3,648   |                         |   |   | 6,297                        |   |   |   | 7,497 |   |
| Provision for income taxes                                                                                                                                                                                                                                                                                                      |   |                         | 1,067  |   |                         |   | 1,354   |                         |   |   | 2,222                        |   |   |   | 2,801 |   |
|                                                                                                                                                                                                                                                                                                                                           |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
|                Net income                                                                                                                                                                                                                                      |   | $                            | 1,985  |   |                         | $      | 2,294   |                         |   | $      | 4,075                        |   |   | $ | 4,696 |   |
|                                                                                                                                                                                                                                                                                                                                           |   |                         |   |   |                         |   |    |                         |   |   |                         |   |   |   |   |   |
| Basic Income per share                                                                                                                                                                                                                                                                                                     |   | $                            | 0.24   |   |                         | $      | 0.27    |                         |   | $      | 0.48                         |   |   | $ | 0.55 |   |
| Diluted Income per share                                                                                                                                                                                                                                                                                                        |   | $                            | 0.23   |   |                         | $      | 0.26    |                         |   | $      | 0.47                         |   |   | $ | 0.53 |   |

----

***UNAUDITED      CONDENSED CONSOLIDATED STATEMENT***

*** OF      STOCKHOLDERS' EQUITY AND COMPREHENSIVE INCOME***

| (in                thousands, except share amounts)                                                                                               |   |
|---------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                              |   |
|                                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | Accumulated |   |   |   |   |
|                                                                                                                                              |   |   |   |   |   |   |   |   |   |   | Additional |   |   |   |   |   | Other |   |   |   |   |
|                                                                                                                                              |   | Common                Stock |   |   | Comprehensive |   |   | Paid-in |   |   | Retained |   |   | Comprehensive |   |   |   |   |
|                                                                                                                                              |   | Shares |   |   | Amounts |   |   | Income |   |   | Capital |   |   | Earnings |   |   | Loss |   |   | Total |   |
|                                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance                at December 31, 2006                                                                                                       |   |   | 7,980,952 |   |   | $ | 45,726 |   |   |   |   |   | $ | 977 |   |   | $ | 15,792 |   |   | $ | (505 | ) |   | $ | 61,990 |   |
|                                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive                income:                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                income                                                                                                                         |   |   |   |   |   |   |   |   |   | $ | 4,075 |   |   |   |   |   |   |   | 4,075 |   |   |   |   |   |   |   | 4,075 |   |
| Other                comprehensive loss:                                                                                                          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Unrealized                holding losses on securities arising during the current period, net                of tax                effect of $455 |   |   |   |   |   |   |   |   |   |   | (682 | ) |   |   |   |   |   |   |   |   |   |   | (682 | ) |   |   | (682 | ) |
|                                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive                income                                                                                                               |   |   |   |   |   |   |   |   |   | $ | 3,393 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 6%                stock dividend                                                                                                                  |   |   | 476,532 |   |   |   | 10,851 |   |   |   |   |   |   |   |   |   |   |   | (10,851 | ) |   |   |   |   |   |   | — |   |
| Cash                in lieu of fractional shares                                                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | (13 | ) |   |   |   |   |   |   | (13 | ) |
| Stock-based                compensation and related tax benefits                                                                                  |   |   |   |   |   |   | 383 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 383 |   |
| Stock                options exercised, net of swapped shares                                                                                     |   |   | 30,797 |   |   |   | 87 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 87 |   |
| Stock                repurchase and retirement                                                                                                    |   |   | (120,348 | ) |   |   | (2,438 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | (2,438 | ) |
|                                                                                                                                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance                at June 30, 2007                                                                                                           |   |   | 8,367,933 |   |   | $ | 54,609 |   |   |   |   |   |   | $ | 977 |   |   | $ | 9,003 |   |   | $ | (1,187 | ) |   | $ | 63,402 |   |

|                                                |   |                       |   |   |       |   |   |                      |   |
|-----------------------------------------------------|--------|----------------------------|--------|--------|------------|--------|--------|---------------------------|--------|
|                                                |   | As                Reported |   |   | Misapplied |   |   | As                Revised |   |
|                                                |   |                       |   |   |       |   |   |                      |   |
| Other                Comprehensive Loss, Net of Tax |   | $                          | (624   | )      |       | $      | (512   | )                         |   | $ | (112 | ) |
|                                                |   |                       |   |   |       |   |   |                      |   |   |   |   |
| Comprehensive                income                 |   | $                          | 8,186  |   |       | $      | (512   | )                         |   | $ | 8,698 |   |
|                                                |   |                       |   |   |       |   |   |                      |   |   |   |   |

----

***UNAUDITED      CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS***

|                                                                                                                                                                                                                               |   | (in                thousands)                      |    |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------------------------------|---------|
|                                                                                                                                                                                                                               |   | Six                months ended June 30, 2007 |    |   | Six                months ended June 30, 2006 |   |
| **Operating                Activities**                                                                                                                                                                                            |   |                                               |    |   |   |   |
|           Net Income                                                                                                                                                        |   | $                                                  | 4,075   |   |   | $ | 4,696 |   |
|           Adjustments to reconcile net income to net                cash (used in)                                                                 |   |                                               |    |   |   |   |   |   |
|  provided by operating activities:                                                                                                                                                                             |   |                                               |    |   |   |   |   |   |
|  Depreciation                                                                                                                                                                                                                 |   |                                               | 596     |   |   |   | 508 |   |
|  Provision                (recovery of provision) for loan losses                                                                                                                                                             |   |                                               | 260     |   |   |   | (225 | ) |
|  Stock                plan accruals                                                                                                                                                                                           |   |                                               | 301     |   |   |   | 190 |   |
|  Tax                benefit for stock options                                                                                                                                                                                 |   |                                               | 82      |   |   |   | 307 |   |
|  Gains                on sales of loans held-for-sale                                                                                                                                                                         |   |                                               | (184    | ) |   |   | (92 | ) |
|  Gains                on sales of other real estate owned                                                                                                                                                                     |   |                                               | (179    | ) |   |   | (6 | ) |
|  Proceeds                from sales of loans held-for-sale                                                                                                                                                                    |   |                                               | 22,350  |   |   |   | 15,936 |   |
|  Originations                of loans held-for-sale                                                                                                                                                                           |   |                                               | (25,949 | ) |   |   | (16,499 | ) |
|  Increase                in accrued interest receivable and other assets                                                                                                                                                      |   |                                               | (2,383  | ) |   |   | (2,337 | ) |
|  Decrease                in accrued interest payable and other liabilities                                                                                                                                                    |   |                                               | (1,601  | ) |   |   | (1,256 | ) |
|                     Net cash                (used                in) provided by operating activities |   |                                               | (2,632  | ) |   |   | 1,222 |   |
|                                                                                                                                                                                                                               |   |                                               |    |   |   |   |   |   |
| **Investing Activities**                                                                                                                                                                                                      |   |                                               |    |   |   |   |   |   |
|           Net increase in investment securities                                                                                                              |   |                                               | (14,254 | ) |   |   | (20,996 | ) |
|           Net increase in loans                                                                                                                                   |   |                                               | (5,455  | ) |   |   | (23,887 | ) |
|           Net                (increase) decrease in other interest earning assets                                                                                           |   |                                               | (53     | ) |   |   | 92 |   |
|           Net                (increase) decrease in other real estate owned                                                                                                 |   |                                               | (546    | ) |   |   | 274 |   |
|           Purchases of premises and equipment, net                                                                                                      |   |                                               | (663    | ) |   |   | (315 | ) |
|                     Net cash                used in investing activities                                   |   |                                               | (20,971 | ) |   |   | (44,832 | ) |
|                                                                                                                                                                                                                               |   |                                               |    |   |   |   |   |   |
| **Financing Activities**                                                                                                                                                                                                      |   |                                               |    |   |   |   |   |   |
|           Net                increase (decrease) in deposits                                                                                                           |   |                                               | 7,865   |   |   |   | (5,317 | ) |
|           Net increase                (decrease) in FHLB advances and other                borrowings                                                        |   |                                               | 208     |   |   |   | (3,312 | ) |
|           Cash dividends paid                                                                                                                                          |   |                                               | (13     | ) |   |   | (15 | ) |
|           Stock                options exercised                                                                                                                                 |   |                                               | 87      |   |   |   | 137 |   |
|           Tax                benefit for stock options                                                                                                                           |   |                                               | (82     | ) |   |   | (307 | ) |
|           Repurchase of stock                                                                                                                                          |   |                                               | (2,438  | ) |   |   | (2,963 | ) |
|                     Net cash provided                (used in) by financing activities                          |   |                                               | 5,627   |   |   |   | (11,777 | ) |
|                                                                                                                                                                                                                     |   |                                               |    |   |   |   |   |   |
|                     Net decrease                in cash and cash equivalents                          |   |                                               | (17,976 | ) |   |   | (55,387 | ) |
| Cash and cash equivalents at beginning of period                                                                                                                                                |   |                                               | 98,001  |   |   |   | 122,692 |   |
| Cash and cash equivalents at end of period                                                                                                                                                      |   | $                                                  | 80,025  |   |   | $ | 67,305 |   |
|                                                                                                                                                                                                                               |   |                                               |    |   |   |   |   |   |
| Supplemental disclosures of cash flow information:                                                                                                                                                        |   |                                               |    |   |   |   |   |   |
| Cash paid during the period for:                                                                                                                                                                          |   |                                               |    |   |   |   |   |   |
|                     Interest                                                                                                   |   | $                                                  | 6,197   |   |   | $ | 4,025 |   |
|                     Income Taxes                                                                                          |   | $                                                  | 2,952   |   |   | $ | 3,435 |   |
|                                                                                                                                                                                                                               |   |                                               |    |   |   |   |   |   |
| Supplemental disclosures of non-cash investing and financing activities:                                                                                                                        |   |                                               |    |   |   |   |   |   |
| Stock dividend distributed                                                                                                                                                                                               |   | $                                                  | 10,851  |   |   | $ | 12,525 |   |

----

*NOTES      TO UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS*

| 1. | BASIS                OF PRESENTATION |
|----|--------------------------------------|

*Recently      Issued Accounting Pronouncements:*

----

*Reclassifications*

----

|                                                             |   | (in                thousands)                          |   |
|------------------------------------------------------------------|--------|--------------------------------------------------------|--------|
|                                                             |   |                                                   |   |   |   |   |
|                                                             |   | Six                months endedJune                30, |   |   | Year                ended December 31, |   |
|                                                             |   | 2007                                                   |   |   | 2006 |   |   | 2006 |   |
| Balance,                beginning of period                      |   | $                                                      | 8,361  |   |   | $ | 7,917 |   |   | $ | 7,917 |   |
| Provision                (recovery of provision) for loan losses |   |                                                   | 260    |   |   |   | (225 | ) |   |   | 735 |   |
| Loan                charge-offs                                  |   |                                                   | (631   | ) |   |   | (324 | ) |   |   | (1,060 | ) |
| Loan                recoveries                                   |   |                                                   | 394    |   |   |   | 555 |   |   |   | 769 |   |
| Balance,                end of period                            |   | $                                                      | 8,384  |   |   | $ | 7,923 |   |   | $ | 8,361 |   |

| 3. | MORTGAGE                OPERATIONS |
|----|------------------------------------|

|                                     |   | (in                thousands)    |   |
|------------------------------------------|--------|----------------------------------|--------|
|                                     |   | December                31, 2006 |   |   | Additions |   |   | Reductions |   |   | June                30, 2007 |   |
|                                     |   |                             |   |   |   |   |   |   |   |   |   |   |
| Mortgage                servicing rights |   | $                                | 945    |   |   | $ | 98 |   |   | $ | 75 |   |   | $ | 968 |   |

----

| 4. | OUTSTANDING                SHARES AND EARNINGS PER SHARE |
|----|----------------------------------------------------------|

|                                                               |   | (in                thousands, except share and earnings per share amounts) |      |
|--------------------------------------------------------------------|--------|----------------------------------------------------------------------------|-----------|
|                                                               |   | Three                months ended June 30,                                 |      |   | Six                months ended June 30, |   |
|                                                               |   | 2007                                                                       |      |   | 2006 |   |   | 2007 |   |   | 2006 |   |
| Basic                earnings per share:                           |   |                                                                       |      |   |   |   |   |   |   |   |   |   |
| Net                income                                          |   | $                                                                          | 1,985     |   |   | $ | 2,294 |   |   | $ | 4,075 |   |   | $ | 4,696 |   |
|                                                               |   |                                                                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Weighted                average common shares outstanding          |   |                                                                       | 8,383,057 |   |   |   | 8,467,634 |   |   |   | 8,407,912 |   |   |   | 8,485,778 |   |
| Basic                EPS                                           |   | $                                                                          | 0.24      |   |   | $ | 0.27 |   |   | $ | 0.48 |   |   | $ | 0.55 |   |
|                                                               |   |                                                                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Diluted                earnings per share:                         |   |                                                                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                income                                          |   | $                                                                          | 1,985     |   |   | $ | 2,294 |   |   | $ | 4,075 |   |   | $ | 4,696 |   |
|                                                               |   |                                                                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Weighted                average common shares outstanding          |   |                                                                       | 8,383,057 |   |   |   | 8,467,634 |   |   |   | 8,407,912 |   |   |   | 8,485,778 |   |
|                                                               |   |                                                                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Effect                of dilutive options                          |   |                                                                       | 226,437   |   |   |   | 305,403 |   |   |   | 249,269 |   |   |   | 315,167 |   |
|                                                               |   |                                                                       |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Adjusted                weighted average common shares outstanding |   |                                                                       | 8,609,494 |   |   |   | 8,773,037 |   |   |   | 8,657,181 |   |   |   | 8,800,945 |   |
| Diluted                EPS                                         |   | $                                                                          | 0.23      |   |   | $ | 0.26 |   |   | $ | 0.47 |   |   | $ | 0.53 |   |

----

| 5. | STOCK                PLANS |
|----|----------------------------|

|                                                                 |   | Number                of Shares |    |   | Weighted                Average Exercise Price |   |    | Aggregate                Intrinsic Value |   |   | Weighted                Average Remaining Contractual Term |   |
|----------------------------------------------------------------------|--------|---------------------------------|---------|--------|------------------------------------------------|--------|---------|------------------------------------------|--------|--------|------------------------------------------------------------|--------|
| Options                outstanding at Beginning of  Period |   |                            | 585,600 |   |                                           | $      | 11.03   |                                     |   |   |                                                       |   |   |   |
|                                                                 |   |                            |    |   |                                           |   |    |                                     |   |   |                                                       |   |   |   |
|    Granted                                            |   |                            | — |   |                                           |   | — |                                     |   |   |                                                       |   |   |   |
|                                                                 |   |                            |    |   |                                           |   |    |                                     |   |   |                                                       |   |   |   |
|    Cancelled                / Forfeited               |   |                            | — |   |                                           |   | — |                                     |   |   |                                                       |   |   |   |
|                                                                 |   |                            |    |   |                                           |   |    |                                     |   |   |                                                       |   |   |   |
|    Exercised                                          |   |                            | (30,537 | )      |                                           | $      | 8.98    |                                     |   | $      | 277,484                                                    |   |   |   |   |
|                                                                 |   |                            |    |   |                                           |   |    |                                     |   |   |                                                       |   |   |   |   |
| Options                outstanding at End of Period                  |   |                            | 555,063 |   |                                           | $      | 11.14   |                                     |   | $      | 4,075,856                                                  |   |   |   | 5.84 |   |
|                                                                 |   |                            |    |   |                                           |   |    |                                     |   |   |                                                       |   |   |   |   |   |
| Exercisable                (vested) at End of Period                 |   |                            | 393,422 |   |                                           | $      | 8.72    |                                     |   | $      | 3,550,878                                                  |   |   |   | 4.82 |   |

|                                                                 |   | Number                of Shares |    |   | Weighted                Average Exercise Price |   |    | Aggregate                Intrinsic Value |   |   | Weighted                Average Remaining Contractual Term |   |
|----------------------------------------------------------------------|--------|---------------------------------|---------|--------|------------------------------------------------|--------|---------|------------------------------------------|--------|--------|------------------------------------------------------------|--------|
| Options                outstanding at Beginning of  Period |   |                            | 549,000 |   |                                           | $      | 10.32   |                                     |   |   |                                                       |   |   |   |
|                                                                 |   |                            |    |   |                                           |   |    |                                     |   |   |                                                       |   |   |   |
|    Granted                                            |   |                            | 49,924  |   |                                           |   | 16.75   |                                     |   |   |                                                       |   |   |   |
|                                                                 |   |                            |    |   |                                           |   |    |                                     |   |   |                                                       |   |   |   |
|    Cancelled                / Forfeited               |   |                            | — |   |                                           |   | — |                                     |   |   |                                                       |   |   |   |
|                                                                 |   |                            |    |   |                                           |   |    |                                     |   |   |                                                       |   |   |   |
|    Exercised                                          |   |                            | (43,861 | )      |                                           | $      | 7.28    |                                     |   | $      | 518,405                                                    |   |   |   |   |
|                                                                 |   |                            |    |   |                                           |   |    |                                     |   |   |                                                       |   |   |   |   |
| Options                outstanding at End of Period                  |   |                            | 555,063 |   |                                           | $      | 11.14   |                                     |   | $      | 4,075,856                                                  |   |   |   | 5.84 |   |
|                                                                 |   |                            |    |   |                                           |   |    |                                     |   |   |                                                       |   |   |   |   |   |
| Exercisable                (vested) at End of Period                 |   |                            | 393,422 |   |                                           | $      | 8.72    |                                     |   | $      | 3,550,878                                                  |   |   |   | 4.82 |   |

----

|                                           | Three                Months Ended |   | Six                Months Ended |
|------------------------------------------------|-----------------------------------|--------|---------------------------------|
| June                30, 2007*                  | June                30, 2007      |
|  Risk                Free Interest Rate   | —                           |   | 4.67%                           |
|                                           |                              |   |                            |
|  Expected                Dividend Yield   | —                           |   | 0.0%                            |
|                                           |                              |   |                            |
|  Expected                Life in Years    | —                           |   | 4.18                            |
|                                           |                              |   |                            |
|  Expected                Price Volatility | —                           |   | 26.03%                          |

----

|                                           | Three                Months Ended |   | Six                Months Ended |   |
|------------------------------------------------|-----------------------------------|--------|---------------------------------|--------|
| June                30, 2007                   | June                30, 2007      |   |
|  Risk                Free Interest Rate   |    5.00%           |   |    5.00%         |   |
|                                           |                              |   |                            |   |
|  Expected                Dividend Yield   |    0.00%           |   |    0.00%         |   |
|                                           |                              |   |                            |   |
|  Expected                Life in Years    | 1.00                              |   | 1.00                            |   |
|                                           |                              |   |                            |   |
|  Expected                Price Volatility | 22.97%                            |   | 22.97%                          |   |

----

| 6. | FIRST                NORTHERN BANK – EXECUTIVE SALARY CONTINUATION                PLAN |
|----|----------------------------------------------------------------------------------------------|

|                                                   |   | Three                months ended June 30, |   |
|--------------------------------------------------------|--------|--------------------------------------------|--------|
|                                                   |   | 2007                                       |   |   | 2006 |   |
| Components                of Net Periodic Benefit Cost |   |                                       |   |   |   |   |
| Service                Cost                            |   | $                                          | 30,383 |   |   | $ | 41,146 |   |
| Interest  Cost                               |   |                                       | 28,784 |   |   |   | 16,155 |   |
| Amortization                of prior service cost      |   |                                       | 21,821 |   |   |   | 3,257 |   |
| Net                periodic benefit cost               |   | $                                          | 80,988 |   |   | $ | 60,558 |   |

----

| 7.   | FIRST                NORTHERN BANK – DIRECTORS’ RETIREMENT                PLAN |
|----------------|--------------------------------------------------------------------------------------------|

|                                                   |   | Three                months ended June 30, |   |
|--------------------------------------------------------|--------|--------------------------------------------|--------|
|                                                   |   | 2007                                       |   |   | 2006 |   |
| Components                of Net Periodic Benefit Cost |   |                                       |   |   |   |   |
| Service                Cost                            |   | $                                          | 14,366 |   |   | $ | 13,518 |   |
| Interest  Cost                               |   |                                       | 6,736  |   |   |   | 5,943 |   |
| Amortization                of net loss                |   |                                       | 121    |   |   |   | 234 |   |
| Net                periodic benefit cost               |   | $                                          | 21,223 |   |   | $ | 19,695 |   |

----

**ITEM      2. **

**MANAGEMENT’S      DISCUSSION AND ANALYSIS OF**

**FINANCIAL      CONDITION AND RESULTS OF OPERATIONS**

**FORWARD-LOOKING      STATEMENTS**

----

**INTRODUCTION**

----

**SUMMARY**

|                                                                                                |   | (in                thousands, except earnings per share and percentage                amounts) |
|-----------------------------------------------------------------------------------------------------|--------|------------------------------------------------------------------------------------------------|
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |
|                                                                                                |   | Three                months                                                                    |   |   | Three                months |   |   | Six                months |   |   | Six                months |
|                                                                                                |   | ended                                                                                          |   |   | ended |   |   | ended |   |   | ended |   |
|                                                                                                |   | June                30, 2007                                                                   |   |   | June                30, 2006 |   |   | June                30, 2007 |   |   | June                30, 2006 |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |
| For                the Period:                                                                      |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |
|     Net                Income                                                   |   | $                                                                                              | 1,985 |   |   | $ | 2,294 |   |   | $ | 4,075 |   |   | $ |  4,696 |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Basic                Earnings Per Share*                                    |   | $                                                                                              | 0.24 |   |   | $ | 0.27 |   |   | $ | 0.48 |   |   | $ | 0.55 |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Diluted                Earnings Per share*                                  |   | $                                                                                              | 0.23 |   |   | $ | 0.26 |   |   | $ | 0.47 |   |   | $ | 0.53 |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Return                on Average Assets                                     |   |                                                                                           | 1.14 | % |   |   | 1.39 | % |   |   | 1.18 | % |   |   | 1.41 | % |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     Net                Income / Beginning Equity                                |   |                                                                                           | 12.81 | % |   |   | 16.15 | % |   |   | 13.15 | % |   |   | 16.53 | % |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| At                Period End:                                                                       |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       Total                Assets                                     |   | $                                                                                              | 693,109 |   |   | $ | 652,534 |   |   | $ | 693,109 |   |   | $ | 652,534 |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       Total                Loans, Net (including loans held-for-sale) |   | $                                                                                              | 488,987 |   |   | $ | 485,268 |   |   | $ | 488,987 |   |   | $ | 485,268 |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Total                Investment Securities                            |   | $                                                                                              | 88,889 |   |   | $ | 70,079 |   |   | $ | 88,889 |   |   | $ | 70,079 |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|      Total                Deposits                                         |   | $                                                                                              | 611,547 |   |   | $ | 576,464 |   |   | $ | 611,547 |   |   | $ | 576,464 |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       Loan-To-Deposit                Ratio                            |   |                                                                                           | 80.0 | % |   |   | 84.2 | % |   |   | 80.0 | % |   |   | 84.2% | % |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                |   |                                                                                           |   |   |   |   |   |   |   |   |   |   |   |

----

**Distribution      of Average Statements of Condition and Analysis of Net Interest      Income**

|                                                                                                                                                                                                   |   | Three                months ended |    |   | Three                months ended |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------------------------------|---------|--------|-----------------------------------|--------|
|                                                                                                                                                                                                   |   | June                30, 2007      |    |   | June                30, 2006      |   |
|                                                                                                                                                                                                   |   | Average                           |    |   |                              |   |   | Yield/ |   |   | Average |   |   |   |   |   | Yield/ |   |
|                                                                                                                                                                                                   |   | Balance                           |    |   | Interest                          |   |   | Rate |   |   | Balance |   |   | Interest |   |   | Rate |   |
| **Assets**                                                                                                                                                                                             |   |                              |    |   |                              |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-earning                assets:                                                                                                                                                                |   |                              |    |   |                              |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans                (1)                                                                                                                                                                               |   | $                                 | 477,140 |   |                              | $      | 10,379 |   |   |   | 8.72 | % |   | $ | 480,263 |   |   | $ | 10,435 |   |   |   | 8.71 | % |
| Investment                securities, taxable                                                                                                                                                          |   |                              | 55,449  |   |                              |   | 684 |   |   |   | 4.95 | % |   |   | 52,671 |   |   |   | 638 |   |   |   | 4.86 | % |
| Investment                securities, non-taxable  (2)                                                                                                                                       |   |                              | 28,051  |   |                              |   | 302 |   |   |   | 4.32 | % |   |   | 12,085 |   |   |   | 143 |   |   |   | 4.75 | % |
| Federal                funds sold                                                                                                                                                                      |   |                              | 76,081  |   |                              |   | 992 |   |   |   | 5.23 | % |   |   | 53,872 |   |   |   | 651 |   |   |   | 4.85 | % |
| Other                interest earning assets                                                                                                                                                           |   |                              | 2,134   |   |                              |   | 31 |   |   |   | 5.83 | % |   |   | 2,077 |   |   |   | 29 |   |   |   | 5.60 | % |
| Total                interest-earning assets                                                                                                                                                           |   |                              | 638,855 |   |                              |   | 12,388 |   |   |   | 7.78 | % |   |   | 600,966 |   |   |   | 11,896 |   |   |   | 7.94 | % |
| Non-interest-earning                assets:                                                                                                                                                            |   |                              |    |   |                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Cash                and due from banks                                                                                                                                                                 |   |                              | 24,355  |   |                              |   |   |   |   |   |   |   |   |   | 29,221 |   |   |   |   |   |   |   |   |   |
| Premises                and equipment, net                                                                                                                                                             |   |                              | 8,210   |   |                              |   |   |   |   |   |   |   |   |   | 8,178 |   |   |   |   |   |   |   |   |   |
| Other                real estate owned                                                                                                                                                                 |   |                              | 1,380   |   |                              |   |   |   |   |   |   |   |   |   | — |   |   |   |   |   |   |   |   |   |
| Accrued                interest receivable and other assets                                                                                                                                            |   |                              | 22,561  |   |                              |   |   |   |   |   |   |   |   |   | 20,346 |   |   |   |   |   |   |   |   |   |
| Total                average assets                                                                                                                                                                    |   |                              | 695,361 |   |                              |   |   |   |   |   |   |   |   |   | 658,711 |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                   |   |                              |    |   |                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Liabilities                and Stockholders’ Equity:**                                                                                                                                         |   |                              |    |   |                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing                liabilities:                                                                                                                                                           |   |                              |    |   |                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing                transaction deposits                                                                                                                                                   |   |                              | 130,657 |   |                              |   | 777 |   |   |   | 2.39 | % |   |   | 88,222 |   |   |   | 263 |   |   |   | 1.20 | % |
| Savings                and MMDA’s                                                                                                                                                                |   |                              | 184,474 |   |                              |   | 1,143 |   |   |   | 2.49 | % |   |   | 190,068 |   |   |   | 875 |   |   |   | 1.85 | % |
| Time,                under $100,000                                                                                                                                                                    |   |                              | 46,042  |   |                              |   | 383 |   |   |   | 3.34 | % |   |   | 50,710 |   |   |   | 333 |   |   |   | 2.63 | % |
| Time,                $100,000 and over                                                                                                                                                                 |   |                              | 73,424  |   |                              |   | 795 |   |   |   | 4.34 | % |   |   | 69,578 |   |   |   | 567 |   |   |   | 3.27 | % |
| FHLB                advances and other borrowings                                                                                                                                                      |   |                              | 10,526  |   |                              |   | 89 |   |   |   | 3.39 | % |   |   | 10,959 |   |   |   | 82 |   |   |   | 3.00 | % |
| Total                interest-bearing liabilities                                                                                                                                                      |   |                              | 445,123 |   |                              |   | 3,187 |   |   |   | 2.87 | % |   |   | 409,537 |   |   |   | 2,120 |   |   |   | 2.08 | % |
| Non-interest-bearing                liabilities:                                                                                                                                                       |   |                              |    |   |                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-interest-bearing                demand deposits                                                                                                                                                    |   |                              | 180,816 |   |                              |   |   |   |   |   |   |   |   |   | 186,155 |   |   |   |   |   |   |   |   |   |
| Accrued                interest payable and other liabilities                                                                                                                                          |   |                              | 6,577   |   |                              |   |   |   |   |   |   |   |   |   | 5,172 |   |   |   |   |   |   |   |   |   |
| Total                liabilities                                                                                                                                                                       |   |                              | 632,516 |   |                              |   |   |   |   |   |   |   |   |   | 600,864 |   |   |   |   |   |   |   |   |   |
| Total                stockholders’ equity                                                                                                                                                        |   |                              | 62,845  |   |                              |   |   |   |   |   |   |   |   |   | 57,847 |   |   |   |   |   |   |   |   |   |
| Total                average liabilities and stockholders’ equity                                                                                                                                |   | $                                 | 695,361 |   |                              |   |   |   |   |   |   |   |   | $ | 658,711 |   |   |   |   |   |   |   |   |   |
| Net                interest income and net interest margin (3)                                                                                                                                         |   |                              |    |   |                              | $      | 9,201 |   |   |   | 5.78 | % |   |   |   |   |   | $ | 9,776 |   |   |   | 6.52 | % |
|                                                                                                                                                                                                   |   |                              |    |   |                              |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 1. Average                balances for loans include loans held-for-sale and non-accrual loans                and                are net of the allowance for loan losses, but non-               |   |
|                    accrued interest thereon is excluded. Loan interest income includes                loan fees of approximately $603 and $739 for the three                months |   |
| ended                June 30, 2007 and 2006, respectively.                                                                                                                                        |   |
| 2. Interest                income and yields on tax-exempt securities are not presented on a                taxable                equivalent basis.                                         |   |
| 3. Net                interest margin is computed by dividing net interest income by total                average interest-earning assets.                                                        |   |

----

**Distribution      of Average Statements of Condition and Analysis of Net Interest      Income**

|                                                                                                                                                                                                     |   | Six                months ended |    |   | Six                months ended |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|---------------------------------|---------|--------|---------------------------------|--------|
|                                                                                                                                                                                                     |   | June                30, 2007    |    |   | June                30, 2006    |   |
|                                                                                                                                                                                                     |   | Average                         |    |   |                            |   |   | Yield/ |   |   | Average |   |   |   |   |   | Yield/ |   |
|                                                                                                                                                                                                     |   | Balance                         |    |   | Interest                        |   |   | Rate |   |   | Balance |   |   | Interest |   |   | Rate |   |
| **Assets**                                                                                                                                                                                               |   |                            |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-earning                assets:                                                                                                                                                                  |   |                            |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans                (1)                                                                                                                                                                                 |   | $                               | 477,584 |   |                            | $      | 20,754 |   |   |   | 8.76 | % |   | $ | 471,453 |   |   | $ | 20,119 |   |   |   | 8.61 | % |
| Investment                securities, taxable                                                                                                                                                            |   |                            | 54,441  |   |                            |   | 1,334 |   |   |   | 4.94 | % |   |   | 48,567 |   |   |   | 1,170 |   |   |   | 4.86 | % |
| Investment                securities, non-taxable  (2)                                                                                                                                         |   |                            | 26,927  |   |                            |   | 580 |   |   |   | 4.34 | % |   |   | 11,539 |   |   |   | 274 |   |   |   | 4.79 | % |
| Federal                funds sold                                                                                                                                                                        |   |                            | 71,583  |   |                            |   | 1,852 |   |   |   | 5.22 | % |   |   | 71,489 |   |   |   | 1,611 |   |   |   | 4.54 | % |
| Other                interest earning assets                                                                                                                                                             |   |                            | 2,121   |   |                            |   | 60 |   |   |   | 5.70 | % |   |   | 2,106 |   |   |   | 53 |   |   |   | 5.07 | % |
| Total                interest-earning assets                                                                                                                                                             |   |                            | 632,656 |   |                            |   | 24,580 |   |   |   | 7.83 | % |   |   | 605,154 |   |   |   | 23,227 |   |   |   | 7.74 | % |
| Non-interest-earning                assets:                                                                                                                                                              |   |                            |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Cash                and due from banks                                                                                                                                                                   |   |                            | 25,770  |   |                            |   |   |   |   |   |   |   |   |   | 30,589 |   |   |   |   |   |   |   |   |   |
| Premises                and equipment, net                                                                                                                                                               |   |                            | 8,228   |   |                            |   |   |   |   |   |   |   |   |   | 8,216 |   |   |   |   |   |   |   |   |   |
| Other                real estate owned                                                                                                                                                                   |   |                            | 1,315   |   |                            |   |   |   |   |   |   |   |   |   | 115 |   |   |   |   |   |   |   |   |   |
| Accrued                interest receivable and other assets                                                                                                                                              |   |                            | 22,084  |   |                            |   |   |   |   |   |   |   |   |   | 19,951 |   |   |   |   |   |   |   |   |   |
| Total                average assets                                                                                                                                                                      |   |                            | 690,053 |   |                            |   |   |   |   |   |   |   |   |   | 664,025 |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                     |   |                            |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Liabilities                and Stockholders’ Equity:**                                                                                                                                           |   |                            |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing                liabilities:                                                                                                                                                             |   |                            |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing                transaction deposits                                                                                                                                                     |   |                            | 126,988 |   |                            |   | 1,513 |   |   |   | 2.40 | % |   |   | 86,654 |   |   |   | 478 |   |   |   | 1.11 | % |
| Savings                and MMDA’s                                                                                                                                                                  |   |                            | 183,304 |   |                            |   | 2,223 |   |   |   | 2.45 | % |   |   | 192,721 |   |   |   | 1,658 |   |   |   | 1.73 | % |
| Time,                under $100,000                                                                                                                                                                      |   |                            | 46,716  |   |                            |   | 764 |   |   |   | 3.30 | % |   |   | 51,010 |   |   |   | 642 |   |   |   | 2.54 | % |
| Time,                $100,000 and over                                                                                                                                                                   |   |                            | 71,174  |   |                            |   | 1,490 |   |   |   | 4.22 | % |   |   | 68,549 |   |   |   | 1,065 |   |   |   | 3.13 | % |
| FHLB                advances and other borrowings                                                                                                                                                        |   |                            | 10,463  |   |                            |   | 166 |   |   |   | 3.20 | % |   |   | 12,079 |   |   |   | 216 |   |   |   | 3.61 | % |
| Total                interest-bearing liabilities                                                                                                                                                        |   |                            | 438,645 |   |                            |   | 6,156 |   |   |   | 2.83 | % |   |   | 411,013 |   |   |   | 4,059 |   |   |   | 1.99 | % |
| Non-interest-bearing                liabilities:                                                                                                                                                         |   |                            |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-interest-bearing                demand deposits                                                                                                                                                      |   |                            | 182,116 |   |                            |   |   |   |   |   |   |   |   |   | 190,009 |   |   |   |   |   |   |   |   |   |
| Accrued                interest payable and other liabilities                                                                                                                                            |   |                            | 6,859   |   |                            |   |   |   |   |   |   |   |   |   | 5,484 |   |   |   |   |   |   |   |   |   |
| Total                liabilities                                                                                                                                                                         |   |                            | 627,620 |   |                            |   |   |   |   |   |   |   |   |   | 606,506 |   |   |   |   |   |   |   |   |   |
| Total                stockholders’ equity                                                                                                                                                          |   |                            | 62,433  |   |                            |   |   |   |   |   |   |   |   |   | 57,519 |   |   |   |   |   |   |   |   |   |
| Total                average liabilities and stockholders’ equity                                                                                                                                  |   | $                               | 690,053 |   |                            |   |   |   |   |   |   |   |   | $ | 664,025 |   |   |   |   |   |   |   |   |   |
| Net                interest income and net interest margin (3)                                                                                                                                           |   |                            |    |   |                            | $      | 18,424 |   |   |   | 5.87 | % |   |   |   |   |   | $ | 19,168 |   |   |   | 6.39 | % |
|                                                                                                                                                                                                     |   |                            |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 1. Average                balances for loans include loans held-for-sale and non-accrual loans                and                are net of the allowance for loan losses, but non-                 |   |
|                    accrued interest thereon is excluded. Loan interest income includes                loan fees of approximately $1,247 and $1,431 for the six                months |   |
| ended                June 30, 2007 and 2006, respectively.                                                                                                                                          |   |
| 2. Interest                income and yields on tax-exempt securities are not presented on a                taxable                equivalent basis.                                           |   |
| 3. Net                interest margin is computed by dividing net interest income by total                average interest-earning assets.                                                          |   |

----

**CHANGES      IN FINANCIAL CONDITION**

----

**CHANGES      IN RESULTS OF OPERATIONS**

----

----

----

----

|                                                                    |   | (in                thousands) |   |
|-------------------------------------------------------------------------|--------|-------------------------------|--------|
|                                                                    |   | Three                months   |   |   | Three                months |   |   | Six                months |   |   | Six                months |   |
|                                                                    |   | ended                         |   |   | ended |   |   | ended |   |   | ended |   |
|                                                                    |   | June                30, 2007  |   |   | June                30, 2006 |   |   | June                30, 2007 |   |   | June                30, 2006 |   |
| Other                miscellaneous operating expenses                   |   |                          |   |   |   |   |   |   |   |   |   |   |
| (Recovery                of) provision for unfunded lending commitments |   | $                             | (40    | ) |   | $ | (100 | ) |   | $ | 10 |   |   | $ | — |   |
| Contributions                                                           |   |                          | 43     |   |   |   | 38 |   |   |   | 95 |   |   |   | 60 |   |
| Legal                fees                                               |   |                          | 109    |   |   |   | 98 |   |   |   | 180 |   |   |   | 143 |   |
| Accounting                and audit fees                                |   |                          | 125    |   |   |   | 87 |   |   |   | 252 |   |   |   | 252 |   |
| Consulting                fees                                          |   |                          | 117    |   |   |   | 133 |   |   |   | 213 |   |   |   | 230 |   |
| Postage                expense                                          |   |                          | 92     |   |   |   | 96 |   |   |   | 177 |   |   |   | 188 |   |
| Telephone                expense                                        |   |                          | 62     |   |   |   | 46 |   |   |   | 123 |   |   |   | 100 |   |
| Public                relations                                         |   |                          | 123    |   |   |   | 78 |   |   |   | 201 |   |   |   | 148 |   |
| Training                expense                                         |   |                          | 62     |   |   |   | 82 |   |   |   | 139 |   |   |   | 145 |   |
| Loan                origination expense                                 |   |                          | 185    |   |   |   | 151 |   |   |   | 399 |   |   |   | 292 |   |
| Computer                software depreciation                           |   |                          | 55     |   |   |   | 63 |   |   |   | 111 |   |   |   | 129 |   |
| Other                miscellaneous expense                              |   |                          | 450    |   |   |   | 370 |   |   |   | 839 |   |   |   | 682 |   |
|                                                                    |   |                          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                other miscellaneous operating expenses             |   | $                             | 1,383  |   |   | $ | 1,142 |   |   | $ | 2,739 |   |   | $ | 2,369 |   |
|                                                                    |   |                          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

|                                        |   | (in                thousands) |    |
|---------------------------------------------|--------|-------------------------------|---------|
|                                        |   |                          |    |   |   |   |
|                                        |   | June                30, 2007  |    |   | December                31, 2006 |   |
|                                        |   |                          |    |   |   |   |
| Undisbursed                loan commitments |   | $                             | 200,172 |   |   | $ | 198,200 |   |
| Standby                letters of credit    |   |                          | 11,720  |   |   |   | 12,222 |   |
|                                        |   | $                             | 211,892 |   |   | $ | 210,422 |   |

*See *

----

| Analysis                of the Allowance for Loan Losses         |   |
|------------------------------------------------------------------|--------|
| (Amounts                in thousands, except percentage amounts) |   |
|                                                             |   |   |   |   |   |   |
|                                                             |   | Six                months endedJune                30, |   |   | Year                endedDecember                31, |   |
|                                                             |   | 2007 |   |   | 2006 |   |   | 2006 |   |
|                                                             |   |   |   |   |   |   |   |   |   |
| Balance                at beginning of period                    |   | $ | 8,361 |   |   | $ | 7,917 |   |   | $ | 7,917 |   |
| Provision                (recovery of provision) for loan losses |   |   | 260 |   |   |   | (225 | ) |   |   | 735 |   |
| Loans                charged-off:                                |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial                                                       |   |   | (181 | ) |   |   | (154 | ) |   |   | (572 | ) |
| Agriculture                                                      |   |   | — |   |   |   | — |   |   |   | (57 | ) |
| Real                estate mortgage                              |   |   | (120 | ) |   |   | — |   |   |   | — |   |
| Installment                loans to individuals                  |   |   | (330 | ) |   |   | (170 | ) |   |   | (431 | ) |
|                                                             |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                charged-off                                 |   |   | (631 | ) |   |   | (324 | ) |   |   | (1,060 | ) |
|                                                             |   |   |   |   |   |   |   |   |   |   |   |   |
| Recoveries:                                                      |   |   |   |   |   |   |   |   |   |   |   |   |
| Commercial                                                       |   |   | 101 |   |   |   | 480 |   |   |   | 561 |   |
| Agriculture                                                      |   |   | 150 |   |   |   | — |   |   |   | — |   |
| Installment                loans to individuals                  |   |   | 143 |   |   |   | 75 |   |   |   | 208 |   |
|                                                             |   |   |   |   |   |   |   |   |   |   |   |   |
| Total                recoveries                                  |   |   | 394 |   |   |   | 555 |   |   |   | 769 |   |
|                                                             |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                (charge-offs) recoveries                      |   |   | (237 | ) |   |   | 231 |   |   |   | (291 | ) |
|                                                             |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance                at end of period                          |   | $ | 8,384 |   |   | $ | 7,923 |   |   | $ | 8,361 |   |
|                                                             |   |   |   |   |   |   |   |   |   |   |   |   |
| Ratio                of net (charge-offs) recoveries             |   |   |   |   |   |   |   |   |   |   |   |   |
| To                average loans outstanding during the period    |   |   | (0.05 | %) |   |   | 0.05 | % |   |   | (0.06 | %) |
| Allowance                for loan losses                         |   |   |   |   |   |   |   |   |   |   |   |   |
| To                total loans at the end of the period           |   |   | 1.71 | % |   |   | 1.62 | % |   |   | 1.73 | % |
| To                non-performing loans at the end of the period  |   |   | 226.59 | % |   |   | 268.94 | % |   |   | 243.34 | % |

----

|                                       |   | (in                thousands) |   |   |                             |   |
|--------------------------------------------|--------|-------------------------------|--------|--------|----------------------------------|--------|
|                                       |   | June                30, 2007  |   |   | December                31, 2006 |   |
| Three                months or less        |   | $                             | 22,903 |   |                             | $      | 28,729 |   |
| Over                three to twelve months |   |                          | 43,661 |   |                             |   | 32,355 |   |
| Over                twelve months          |   |                          | 5,504  |   |                             |   | 5,215 |   |
| Total                                      |   | $                             | 72,068 |   |                             | $      | 66,299 |   |

|                                   |   | (amounts                  in thousands except percentage amounts)  |   |
|----------------------------------------|--------|-------------------------------------------------------------------------|--------|
|                                   |   | Actual                                                                  |   |   |   |   |   |   |   |
|                                   |   | Capital                                                                 |   |   | Ratio |   |   | Well                  Capitalized Ratio Requirement |   |   | Minimum                  Capital |   |
|  Leverage                         |   | $                                                                       | 63,827 |   |   |   | 9.16 | % |   |   | 5.0 | % |   |   | 4.0 | % |
|  Tier                1 Risk-Based |   | $                                                                       | 63,827 |   |   |   | 10.99 | % |   |   | 6.0 | % |   |   | 4.0 | % |
|  Total                Risk-Based  |   | $                                                                       | 71,114 |   |   |   | 12.24 | % |   |   | 10.0 | % |   |   | 8.0 | % |

|                                                 | Six                months endedJune                30, 2007 |   | Six                months endedJune                30, 2006 |   | Year                endedDecember                31, 2006 |
|------------------------------------------------------|-------------------------------------------------------------|--------|-------------------------------------------------------------|--------|-----------------------------------------------------------|
| Annualized                return on average assets   | 1.18%                                                       |   | 1.41%                                                       |   | 1.32%                                                     |
|                                                 |                                                        |   |                                                        |   |                                                      |
| Annualized                return on beginning equity | 13.15%                                                      |   | 16.53%                                                      |   | 15.51%                                                    |

----

*Prospective      Accounting Pronouncements*

----

**ITEM      3.**

**QUANTITATIVE      AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK**

**ITEM      4.**

**CONTROLS      AND PROCEDURES**

----

**PART      II - OTHER INFORMATION**

**ITEM      1A.**

**RISK      FACTORS**

**ITEM      2.**

**UNREGISTERED      SALES OF EQUITY SECURITIES AND USE OF PROCEEDS**

**Repurchases      of Equity Securities**

|                                         |   | (a)                                            |    |   | (b)                                                       |   |    | (c)                                                                                                     |   |   | (d)                                                                                                          |   |
|----------------------------------------------|--------|------------------------------------------------|---------|--------|-----------------------------------------------------------|--------|---------|---------------------------------------------------------------------------------------------------------|--------|--------|--------------------------------------------------------------------------------------------------------------|--------|
| Period                                       |   | Total                number of sharespurchased |    |   | Average                pricepaid                per share |   |    | Number                of shares purchased as part of publicly announcedplans                or programs |   |   | Maximum                number of shares that may yet be purchased under the plans or                programs |   |
| April                1 - April 30, 2007      |   |                                           | 19,443  |   |                                                      | $      | 18.28   |                                                                                                    |   |   | 19,443                                                                                                       |   |   |   | 49,652 |   |
| May                1 – May 31, 2007    |   |                                           | 13,821  |   |                                                      | $      | 18.19   |                                                                                                    |   |   | 13,821                                                                                                       |   |   |   | 54,863 |   |
| June                1 – June 21, 2007  |   |                                           | 27,367  |   |                                                      | $      | 18.50   |                                                                                                    |   |   | 27,367                                                                                                       |   |   |   | 37,022 |   |
| June                22 – June 30, 2007 |   |                                           | — |   |                                                      |   | — |                                                                                                    |   |   | —                                                                                                      |   |   |   | 335,046 |   |
| Total                                        |   |                                           | 60,631  |   |                                                      | $      | 18.36   |                                                                                                    |   |   | 60,631                                                                                                       |   |   |   | 335,046 |   |

----

**ITEM      4. **

**SUBMISSION      OF MATTERS TO A VOTE OF SECURITY HOLDERS**

|   | (b) | Proxies                for the Annual Meeting were solicited pursuant to the rules set forth                in                Regulation 14A promulgated under the Securities Exchange Act of                1934.  There was no solicitation in opposition to management’s                nominees for directors as listed in the Company’s proxy statement for the                Annual Meeting, and all of such nominees were                elected. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Nominee                                                                                                                                            | For                                                                   | Withheld                     |
|----------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------|------------------------------|
| Lori                J. Aldrete                                                                                                                     | 6,160,863                                                             |   16,338           |
| Frank                J. Andrews, Jr.                                                                                                               | 6,080,528                                                             |                  96,673 |
| John                M. Carbahal                                                                                                                    | 6,153,219                                                             |   23,982           |
| Gregory                DuPratt                                                                                                                     | 6,160,863                                                             |   16,338           |
| John                F. Hamel                                                                                                                       | 6,123,645                                                             |   53,556           |
| Diane                P. Hamlyn                                                                                                                     | 6,160,863                                                             |   16,338           |
| Foy                S. McNaughton                                                                                                                   | 6,160,863                                                             |   16,338           |
| Owen                J. Onsum                                                                                                                       | 6,155,914                                                             |   21,287           |
| David                W. Schulze                                                                                                                    | 6,160,863                                                             |   16,338           |
| Andrew                Wallace                                                                                                                      | 6,160,863                                                             |   16,338           |
|                                                                                                                                               |                                                                  |                         |
|                                                                                                                                               |                                                                  |                         |
| The                vote for ratifying the appointment of Moss Adams LLP as the Company’s                independent auditors was as follows: |                                                                  |                         |
|                                                                                                                                               |                                                                  |                         |
| For                                                                                                                                                | 6,148,479                                                             |                         |
| Against                                                                                                                                            |            -0- |                         |
| Abstain                                                                                                                                            |      28,723                                  |                         |
| Broker                Non-Vote                                                                                                                     |            -0- |                         |

----

**ITEM      6.**

**EXHIBITS**

| **Exhibit****Number** | **Exhibit**                                                                                                                                                                                                                     |
|-----------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                  |                                                                                                                                                                                                                            |
| 31.1                  | Certification                of the Company’s Chief Executive Officer pursuant to Section 302 of the                Sarbanes-Oxley                Act of 2002                                                             |
| 31.2                  | Certification                of the Company’s Chief Financial Officer pursuant to Section 302 of the                Sarbanes-Oxley                Act of 2002                                                             |
| 32.1                  | Certification                of the Chief Executive Officer pursuant to 18 U.S.C. Section 1350,                as                adopted pursuantto                Section 906 of the Sarbanes-Oxley Act of 2002                |
| 32.2                  | Certification                of the Chief Financial Officer pursuant to 18 U.S.C. Section 1350,                as                adopted pursuantto                Section 906 of the Sarbanes-Oxley Act of                2002 |

**SIGATURES**

|                                                             |   | **FIRST                NORTHERN COMMUNITY BANCORP**                                                    |   |
|------------------------------------------------------------------|--------|--------------------------------------------------------------------------------------------------------|--------|
|                                                             |   |                                                                                                   |   |
| Date:     August                8, 2007 | by     | /s/  Louise                A. Walker                                                         |   |
|                                                             |   | Louise                A. Walker, Sr. Executive Vice President / Chief Financial                Officer |   |
|                                                             |   | (Principal                Financial Officer and Duly Authorized Officer)                               |   |

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