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| **Twelve              Months Ended December 31,              2005** |   |            |   |   |   |       |   |   |   |   |
|---------------------------------------------------------------------|--------|-----------------|--------|--------|--------|------------|--------|--------|--------|--------|
|                                                                |   |            |   |   |   |       |   |   |   |   |
| **Basic              Earnings              Per Share:**             |   |            |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
| Net                Income                                           |   | $2,672,796      |   | =      |   | $1.78      |   |   |   |   |
| Weighted                Average Number of Common Shares             |   | 1,502,121       |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
| **Diluted                Earnings Per Share:**                      |   |            |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
| Net                Income                                           |   | $2,672,796      |   | =      |   | $2,672,796 |   | =      |   | $1.77  |
| Weighted                Average Number of Common Shares             |   | 1,502,121+9,231 |   |   |   | 1,511,352  |   |   |   |   |
| Adjusted                for Effect of Outstanding Options           |   |            |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
| **Three                Months Ended December 31, 2005**             |   |            |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
| **Basic                Earnings Per Share:**                        |   |            |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
| Net                Income                                           |   | $69,094         |   | =      |   | $0.05      |   |   |   |   |
| Weighted                Average Number of Common Shares             |   | 1,493,587       |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
| **Diluted                Earnings Per Share:**                      |   |            |   |   |   |       |   |   |   |   |
|                                                                |   |            |   |   |   |       |   |   |   |   |
| Net                Income                                           |   | $69,094         |   | =      |   | $69,094    |   | =      |   | $0.05  |
| Weighted                Average Number of Common Shares             |   | 1,493,587+9,313 |   |   |   | 1,502,900  |   |   |   |   |
| Adjusted                for Effect of Outstanding options           |   |            |   |   |   |       |   |   |   |   |

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