----

| [X] | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|-----|-----------------------------------------------------------------------------------------|

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

| VIRGINIA(State or other jurisdiction of incorporation or organization)          |   | 54-1702380(I.R.S. Employer Identification No.) |
|---------------------------------------------------------------------------------|--------|------------------------------------------------|
|                                                                            |   |                                           |
| 36 Church Avenue, S.W.Roanoke, Virginia(Address of principal executive offices) |   |  24011(Zip Code)                          |

----

|                                     |    |                                                                                  |   |
|------------------------------------------|---------|---------------------------------------------------------------------------------------|--------|
| Part I.  FINANCIAL INFORMATION |
|                                     |    |                                                                                  |   |
|                                     | Item 1  | Financial Statements                                                                  |
|                                     |    | Consolidated Balance Sheets                                                           | 4      |
|                                     |    | Consolidated Statements of Operations                                                 | 5      |
|                                     |    | Consolidated Statements of Cash Flows                                                 | 6      |
|                                     |    | Notes to 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                            | 23     |
|                                     |    |                                                                                  |   |
|                                     | Item 4T | Controls and Procedures                                                               | 23     |
|                                     |    |                                                                                  |   |
| Part II.  OTHER INFORMATION    |    |
|                                     |    |                                                                                  |   |
|                                     | Item 1  | Legal Proceedings                                                                     | 23     |
|                                     | Item 1A | Risk Factors                                                                          | 23     |
|                                     | Item 2  | Unregistered Sales of Equity Securities and Use of Proceeds                           | 23     |
|                                     | Item 3  | Defaults Upon Senior Securities                                                       | 23     |
|                                     | Item 4  | (Removed and Reserved)                                                                | 23     |
|                                     | Item 5  | Other Information                                                                     | 23     |
|                                     | Item 6  | Exhibits                                                                              | 24     |
|                                     |    |                                                                                  |   |
| SIGNATURES                               | 25      |
|                                     |    |                                                                                  |   |
| EXHIBITS INDEX                           | 26      |
|                                     |    |                                                                                  |   |
| CERTIFICATIONS                           | 34      |

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|   | • |   | General economic conditions may deteriorate and negatively impact the ability of borrowers to repay loans and depositors to maintain balances; |
|--------|---------|--------|------------------------------------------------------------------------------------------------------------------------------------------------|

|   | • |   | General decline in the residential real estate construction and finance market; |
|--------|---------|--------|---------------------------------------------------------------------------------|

|   | • |   | Decline in market value of real estate in the Company’s markets; |
|--------|---------|--------|------------------------------------------------------------------------|

|   | • |   | Changes in interest rates could reduce net interest income and/or the borrower’s ability to repay loans; |
|--------|---------|--------|----------------------------------------------------------------------------------------------------------------|

|   | • |   | Competitive pressures among financial institutions may reduce yields and profitability; |
|--------|---------|--------|-----------------------------------------------------------------------------------------|

|   | • |   | Legislative or regulatory changes, including changes in accounting standards, may adversely affect the businesses that the Company is engaged in; |
|--------|---------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------|

|   |    |   |                                                                                                                                                         |
|--------|---------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | • |   | Increased regulatory supervision could limit our ability to grow and could require considerable time and attention of our management and board of directors; |

|   | • |   | New products developed or new methods of delivering products could result in a reduction in business and income for the Company; |
|--------|---------|--------|----------------------------------------------------------------------------------------------------------------------------------|

|   | • |   | The Company’s ability to continue to improve operating efficiencies; |
|--------|---------|--------|----------------------------------------------------------------------------|

|   | • |   | Natural events and acts of God such as earthquakes, fires and floods; |
|--------|---------|--------|-----------------------------------------------------------------------|

|   | • |   | Loss or retirement of key executives; and |
|--------|---------|--------|-------------------------------------------|

|   | • |   | Adverse changes may occur in the securities market. |
|--------|---------|--------|-----------------------------------------------------|

----

|                                                              |                                                                                                                                                                            |   | (Unaudited)3/31/10 |   |    | (Audited)12/31/09 |
|-------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------|--------|---------|-------------------|
| Assets                                                            |                                                                                                                                                                            |   |               |   |    |
|                                                              |  Cash and due from banks                                                                                                                                                   | $      | 7,223              |   |  $ | 8,179             |
|                                                              | Interest-bearing deposits in banks                                                                                                                                              |   | 44,814             |   |    | 23,699            |
|                                                              | Securities available-for-sale                                                                                                                                                   |   | 76,436             |   |    | 70,485            |
|                                                              | Securities held-to-maturity (approximate market values of $11,848 at March 31, 2010     and $12,246 at December 31, 2009, respectively)                     |   | 11,483             |   |    | 11,991            |
|                                                              | Restricted equity securities                                                                                                                                                    |   | 6,172              |   |    | 6,172             |
|                                                              | Loans, net of allowance for loan losses of $14,263 at March 31, 2010 and $14,630 at    December 31, 2009                                                    |   | 554,052            |   |    | 556,391           |
|                                                              | Foreclosed assets, net                                                                                                                                                          |   | 3,258              |   |    | 2,513             |
|                                                              | Premises and equipment, net                                                                                                                                                     |   | 7,625              |   |    | 7,742             |
|                                                              | Bank owned life insurance                                                                                                                                                       |   | 13,064             |   |    | 12,930            |
|                                                              | Accrued interest receivable                                                                                                                                                     |   | 2,476              |   |    | 2,498             |
|                                                              | Other assets                                                                                                                                                                    |   | 11,644             |   |    | 11,125            |
|                                                              | Total assets                                                                                                                                                                    | $      | 738,247            |   | $       | 713,725           |
|                                                              |                                                                                                                                                                            |   |               |   |    |              |
|                                                              |                                                                                                                                                                            |   |               |   |    |              |
| Liabilities and Shareholders’ Equity                        |                                                                                                                                                                            |   |               |   |    |
| Liabilities:                                                      |                                                                                                                                                                            |   |               |   |    |
|                                                              | Noninterest-bearing deposits                                                                                                                                                    | $      | 20,788             |   | $       | 17,629            |
|                                                              | Interest-bearing deposits                                                                                                                                                       |   | 557,678            |   |    | 535,299           |
|                                                              | Total deposits                                                                                                                                                                  |   | 578,466            |   |    | 552,928           |
|                                                              |                                                                                                                                                                            |   |               |   |    |              |
|                                                              | Federal funds purchased and securities sold under agreements to repurchase                                                                                                      |   | 17,968             |   |    | 21,304            |
|                                                              | Short-term borrowings                                                                                                                                                           |   | 25,000             |   |    | 20,000            |
|                                                              | Long-term borrowings                                                                                                                                                            |   | 43,000             |   |    | 48,000            |
|                                                              | Guaranteed preferred beneficial interests in the Company’s junior subordinated     debentures                                                         |   | 16,496             |   |    | 16,496            |
|                                                              | Accrued interest payable                                                                                                                                                        |   | 1,745              |   |    | 2,462             |
|                                                              | Other liabilities                                                                                                                                                               |   | 2,944              |   |    | 996               |
|                                                              | Total liabilities                                                                                                                                                               |   | 685,619            |   |    | 662,186           |
|                                                              |                                                                                                                                                                            |   |               |   |    |              |
|                                                              | Commitments and contingencies                                                                                                                                                   |   | -                  |   |    | -                 |
|                                                              |                                                                                                                                                                            |   |               |   |    |              |
| Shareholders' equity:                                             |                                                                                                                                                                            |   |               |   |    |
|                                                              | Preferred stock, no par value; 10,000,000 shares authorized; 16,019 shares issued and     outstanding at March 31, 2010 and December 31, 2009, respectively |   | 15,376             |   |    | 15,336            |
|                                                              | Common stock, no par value; 10,000,000 shares authorized; 4,680,251 shares issued     and outstanding at March 31, 2010 and December 31, 2009, respectively |   | 23,415             |   |    | 23,369            |
|                                                              | Retained earnings                                                                                                                                                               |   | 13,486             |   |    | 12,878            |
|                                                              | Accumulated other comprehensive income                                                                                                                                          |   | 351                |   |    | (44)              |
|                                                              | Total shareholders’ equity                                                                                                                                                |   | 52,628             |   |    | 51,539            |
|                                                              | Total liabilities and shareholders’ equity                                                                                                                                | $      | 738,247            |   | $       | 713,725           |
|  See accompanying notes to consolidated financial statements |                                                                                                                                                                            |   |               |   |    |

----

|                                                                                                           |   |   | 3 Months Ended |
|----------------------------------------------------------------------------------------------------------------|--------|--------|----------------|
|                                                                                                           |   |   | 3/31/10        |   | 3/31/09 |
| Interest Income:                                                                                               |   |   |           |   |   |
|      Interest and fees on loans                                                       |   | $      | 7,331          | $ | 7,196 |
|      Interest on securities–taxable                                             |   |   | 716            |   | 1,011 |
|      Interest on securities-nontaxable                                                |   |   | 121            |   | 110 |
|      Interest on deposits in banks                                                    |   |   | 19             |   | - |
|           Total interest income                              |   |   | 8,187          |   | 8,317 |
| Interest Expense:                                                                                              |   |   |           |   |   |
|      Interest on deposits                                                             |   |   | 2,428          |   | 2,804 |
|      Interest on short-term borrowings                                                |   |   | 258            |   | 85 |
|      Interest on long-term borrowings                                                 |   |   | 423            |   | 656 |
|      Interest on guaranteed preferred beneficial interests in the                     |   |   |           |   |   |
|          Company’s junior subordinated debentures           |   |   | 89             |   | 150 |
|      Interest on federal funds purchased and securities sold                          |   |   |           |   |   |
|          under agreements to repurchase                           |   |   | 11             |   | 28 |
|           Total interest expense                             |   |   | 3,209          |   | 3,723 |
|           Net interest income                                |   |   | 4,978          |   | 4,594 |
| Provision for loan losses                                                                                      |   |   | 208            |   | 1,433 |
|      Net interest income after provision for loan losses                              |   |   | 4,770          |   | 3,161 |
|                                                                                                           |   |   |           |   |   |
| Noninterest Income:                                                                                            |   |   |           |   |   |
|      Service charges on deposit accounts                                              |   |   | 307            |   | 271 |
|      Income earned on bank owned life insurance                                       |   |   | 134            |   | 135 |
|      Realized gain on sale of securities                                              |   |   | -              |   | 267 |
|      Realized gain (loss) on sale of foreclosed assets                                |   |   | 18             |   | (30) |
|      Other income                                                                     |   |   | 114            |   | 56 |
|           Total noninterest income                           |   |   | 573            |   | 699 |
|                                                                                                           |   |   |           |   |   |
| Noninterest Expense:                                                                                           |   |   |           |   |   |
|      Compensation expense                                                             |   |   | 1,985          |   | 1,782 |
|      Occupancy and equipment expense                                                  |   |   | 397            |   | 422 |
|      Data processing expense                                                          |   |   | 289            |   | 249 |
|      Advertising and marketing expense                                                |   |   | 117            |   | 57 |
|      Insurance                                                                        |   |   | 362            |   | 204 |
|      Audit fees                                                                       |   |   | 111            |   | 85 |
|      Legal                                                                            |   |   | 88             |   | 123 |
|      Franchise tax expense                                                            |   |   | 123            |   | 106 |
|      Deposit expense                                                                  |   |   | 125            |   | 94 |
|      Loan expenses                                                                    |   |   | 78             |   | 97 |
|      Computer software expense                                                        |   |   | 97             |   | 107 |
|      Foreclosed asset expenses, net                                                   |   |   | 96             |   | 18 |
|      Other expense                                                                    |   |   | 353            |   | 350 |
|           Total noninterest expense                          |   |   | 4,221          |   | 3,694 |
|           Income before income taxes                         |   |   | 1,122          |   | 166 |
|                                                                                                           |   |   |           |   |   |
| Income tax expense                                                                                             |   |   | 274            |   | 18 |
|           Net income                                         |   | $      | 848            |   | 148 |
| Preferred dividends and accretion of discounts on warrants                                                     |   |   | 239            |   | 235 |
|           Net income (loss) available to common shareholders |   | $      | 609            |   | (87) |
|                                                                                                           |   |   |           |   |   |
| Earnings (loss) per share                                                                                      |   |   |           |   |   |
| Basic earnings (loss) per common share                                                                         |   | $      | 0.13           | $ | (0.02) |
| Diluted earnings (loss) per common share                                                                       |   | $      | 0.13           | $ | (0.02) |
| Weighted average shares outstanding                                                                            |   |   | 4,680,251      |   | 4,680,142 |
| Diluted average shares outstanding                                                                             |   |   | 4,685,799      |   | 4,680,426 |
| Dividends declared per common share                                                                            |   | $      | -              | $ | - |

----

|                                                                                                        | Three Months Ended                                                                                                                                                                                                                                        |
|-------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                        | 3/31/10                                                                                                                                                                                                                                                   |   | 3/31/09 |
| Cash flows from operating activities                                                                        |                                                                                                                                                                                                                                                      |   |   |
| Net income                                                                                                  | $                                      848                            |   | $                                  148 |
| Adjustments to reconcile net income to net cash provided by operating activities:                           |                                                                                                                                                                                                                                                      |   |   |
|                                                                                                        | Provision for loan losses                                                                                                                                                                                                                                 | 208 |   | 1,433 |
|                                                                                                        | Depreciation and amortization of bank premises, equipment and software                                                                                                                                                                                    | 206 |   | 222 |
|                                                                                                        | Stock compensation expense                                                                                                                                                                                                                                | 46 |   | 36 |
|                                                                                                        | (Increase) decrease in deferred income tax                                                                                                                                                                                                                | (113) |   | 191 |
|                                                                                                        | Net (gains) on sale of securities                                                                                                                                                                                                                         | - |   | (267) |
|                                                                                                        | Net (gains) losses on foreclosed and repossessed assets                                                                                                                                                                                                   | (18) |   | 31 |
|                                                                                                        | Net losses on equipment disposals                                                                                                                                                                                                                         | 5 |   | 1 |
|                                                                                                        | Net amortization of bond premiums/discounts                                                                                                                                                                                                               | 159 |   | 30 |
|                                                                                                        | Increase (decrease) in unearned fees                                                                                                                                                                                                                      | (28) |   | 91 |
|                                                                                                        | Decrease in accrued interest receivable                                                                                                                                                                                                                   | 22 |   | 147 |
|                                                                                                        | (Increase) decrease in other assets                                                                                                                                                                                                                       | (420) |   | 153 |
|                                                                                                        | Increase in value of life insurance contracts                                                                                                                                                                                                             | (134) |   | (135) |
|                                                                                                        | Decrease in accrued interest payable                                                                                                                                                                                                                      | (717) |   | (100) |
|                                                                                                        | Increase (decrease) in other liabilities                                                                                                                                                                                                                  | 1,947 |   | (272) |
|                                                                                                        | Net cash provided by operating activities                                                                                                                                                                                                                 | 2,011 |   | 1,709 |
|                                                                                                        |                                                                                                                                                                                                                                                      |   |   |
| Cash flows from investing activities                                                                        |                                                                                                                                                                                                                                                      |   |   |
|                                                                                                        | Increase in interest bearing deposits in banks                                                                                                                                                                                                            | (21,115) |   | - |
|                                                                                                        | Increase in federal funds sold                                                                                                                                                                                                                            | - |   | (10,572) |
|                                                                                                        | Purchases of bank premises, equipment and software                                                                                                                                                                                                        | (79) |   | (243) |
|                                                                                                        | Purchases of securities available-for-sale                                                                                                                                                                                                                | (14,829) |   | (5,742) |
|                                                                                                        | Purchases of securities held-to-maturity                                                                                                                                                                                                                  | - |   | (6,315) |
|                                                                                                        | Purchases of restricted equity securities                                                                                                                                                                                                                 | - |   | (131) |
|                                                                                                        | Proceeds from sales/calls/paydowns/maturities of securities available-for-sale                                                                                                                                                                            | 9,119 |   | 17,113 |
|                                                                                                        | Proceeds from paydowns on securities held-to-maturity                                                                                                                                                                                                     | 503 |   | 2,111 |
|                                                                                                        | Proceeds from sale of foreclosed and repossessed assets                                                                                                                                                                                                   | 76 |   |                      585 |
|                                                                                                        | Capitalized costs related to foreclosed assets                                                                                                                                                                                                            | (398) |   | (11) |
|                                                                                                        | Increase (decrease) in loans, net                                                                                                                                                                                                                         | 1,754 |   | (18,261) |
|                                                                                                        | Net cash used in investing activities                                                                                                                                                                                                                     | (24,969) |   | (21,466) |
|                                                                                                        |                                                                                                                                                                                                                                                      |   |   |   |
| Cash flows from financing activities                                                                        |                                                                                                                                                                                                                                                      |   |   |
|                                                                                                        | Increase in non-interest bearing deposits                                                                                                                                                                                                                 | 3,159 |   | 3,996 |
|                                                                                                        | Increase in interest bearing deposits                                                                                                                                                                                                                     | 22,379 |   | 32,529 |
|                                                                                                        | Proceeds from short-term borrowings                                                                                                                                                                                                                       | - |   | 36,000 |
|                                                                                                        | Principal repayments of short-term borrowings                                                                                                                                                                                                             | - |   | (36,000) |
|                                                                                                        | Decrease in securities sold under agreements to repurchase                                                                                                                                                                                                | (3,336) |   | (6,193) |
|                                                                                                        | Decrease in federal funds purchased                                                                                                                                                                                                                       | - |   | (11,326) |
|                                                                                                        | Cash dividends paid                                                                                                                                                                                                                                       | (200) |   | (468) |
|                                                                                                        | Net proceeds from issuance of common stock                                                                                                                                                                                                                | - |   | (7) |
|                                                                                                        | Net cash provided by financing activities                                                                                                                                                                                                                 | 22,002 |   | 18,531 |
|                                                                                                        | Net decrease in cash and due from banks                                                                                                                                                                                                                   | (956) |   | (1,226) |
|                                                                                                        |                                                                                                                                                                                                                                                      |   |   |
| Cash and due from banks at beginning of year                                                                | 8,179                                                                                                                                                                                                                                                     |   | 7,270 |
| Cash and due from banks at end of year                                                                      | $                                  7,223                                             |   | $                               6,044 |
|                                                                                                        |                                                                                                                                                                                                                                                      |   |   |
| Supplemental disclosure of cash flow information                                                            |                                                                                                                                                                                                                                                      |   |   |
|         Cash paid during the period for interest                    | $                                  3,926                                             |   | $                               3,823 |
|         Cash paid during the period for income taxes                | $                                          - |   | $                                  323 |
|                                                                                                        |                                                                                                                                                                                                                                                      |   |   |
| Noncash financing and investing activities                                                                  |                                                                                                                                                                                                                                                      |   |   |
|         Transfer of loans to foreclosed property                    | $                                     405                             |   | $                               2,028 |
|         Reclassification of borrowings from long-term to short-term | $                                  5,000                                             |   | $                                       - |
|                                                                                                        |                                                                                                                                                                                                                                                      |   |   |
| See accompanying notes to consolidated financial statements.                                                |                                                                                                                                                                                                                                                      |   |   |

----

----

|                               |   | AmortizedCosts |   |   | UnrealizedGains |   |   | UnrealizedLosses |   |   | FairValues |
|------------------------------------|--------|----------------|--------|--------|-----------------|--------|--------|------------------|--------|--------|------------|
| March 31, 2010                     |   |           |   |   |            |   |   |             |   |   |       |
| U.S. Government and federal agency | $      | 2,528          |   | $      | 4               |   | $      | -                |   | $      | 2,532      |
| Government-sponsored enterprises   |   | 16,509         |   |   | 66              |   |   | (34)             |   |   | 16,541     |
| Mortgage-backed securities         |   | 51,395         |   |   | 598             |   |   | (213)            |   |   | 51,780     |
| States and political subdivisions  |   | 5,472          |   |   | 118             |   |   | (7)              |   |   | 5,583      |
|                               | $      | 75,904         |   | $      | 786             |   | $      | (254)            |   | $      | 76,436     |

| December 31, 2009                  |   |   |   |   |   |   |   |   |   |   |   |
|------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
| U.S. Government and federal agency | $      | 552    |   | $      | 7      |   | $      | (1)    |   | $      | 558    |
| Government-sponsored enterprises   |   | 15,007 |   |   | 48     |   |   | (182)  |   |   | 14,873 |
| Mortgage-backed securities         |   | 49,522 |   |   | 423    |   |   | (470)  |   |   | 49,475 |
| States and political subdivisions  |   | 5,471  |   |   | 115    |   |   | (7)    |   |   | 5,579  |
|                               | $      | 70,552 |   | $      | 593    |   | $      | (660)  |   | $      | 70,485 |

|                              |   | AmortizedCosts |   |   | UnrealizedGains |   |   | UnrealizedLosses |   |   | FairValues |
|-----------------------------------|--------|----------------|--------|--------|-----------------|--------|--------|------------------|--------|--------|------------|
| March 31, 2010                    |   |           |   |   |            |   |   |             |   |   |       |
| Mortgage-backed securities        |   | 5,883          |   |   | 251             |   |   | -                |   |   | 6,134      |
| States and political subdivisions |   | 5,600          |   |   | 138             |   |   | (24)             |   |   | 5,714      |
|                              | $      | 11,483         |   | $      | 389             |   | $      | (24)             |   | $      | 11,848     |

|                              |   | AmortizedCosts |   |   | UnrealizedGains |   |   | UnrealizedLosses |   |   | FairValues |
|-----------------------------------|--------|----------------|--------|--------|-----------------|--------|--------|------------------|--------|--------|------------|
| December 31, 2009                 |   |           |   |   |            |   |   |             |   |   |       |
| Mortgage-backed securities        |   | 6,379          |   |   | 121             |   |   | -                |   |   | 6,500      |
| States and political subdivisions |   | 5,612          |   |   | 157             |   |   | (23)             |   |   | 5,746      |
|                              | $      | 11,991         |   | $      | 278             |   | $      | (23)             |   | $      | 12,246     |

----

|                                    |                                                                                                                                                                                                                                                                 | Available for Sale                                                                                                                                                                                                                                                         |
|-----------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                    |                                                                                                                                                                                                                                                                 | March 31, 2010                                                                                                                                                                                                                                                             |
|                                    |                                                                                                                                                                                                                                                                 | AmortizedCosts                                                                                                                                                                                                                                                             | FairValue |  Yield |
|                                    |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |   |
| U.S.Government and federal agency:      |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |
|                                    | Within one year                                                                                                                                                                                                                                                      | $                                            - | $                                         - | - |
|                                    | After one but within five years                                                                                                                                                                                                                                      | 390                                                                                                                                                                                                                                                                        | 394 | 3.57% |
|                                    | After five but within ten years                                                                                                                                                                                                                                      | 2,020                                                                                                                                                                                                                                                                      | 2,020 | 3.99% |
|                                    | After ten years                                                                                                                                                                                                                                                      | 118                                                                                                                                                                                                                                                                        | 118 | 0.84% |
|                                    |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |   |
| Government-sponsored enterprises:       |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |
|                                    | Within one year                                                                                                                                                                                                                                                      | -                                                                                                                                                                                                                                                                          | - | - |
|                                    | After one but within five years                                                                                                                                                                                                                                      | -                                                                                                                                                                                                                                                                          | - | - |
|                                    | After five but within ten years                                                                                                                                                                                                                                      | 16,509                                                                                                                                                                                                                                                                     | 16,541 | 4.54% |
|                                    | After ten years                                                                                                                                                                                                                                                      | -                                                                                                                                                                                                                                                                          | - | - |
|                                    |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |
| Obligations of states and subdivisions: |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |
|                                    | Within one year                                                                                                                                                                                                                                                      | -                                                                                                                                                                                                                                                                          | - | - |
|                                    | After one but within five years                                                                                                                                                                                                                                      | -                                                                                                                                                                                                                                                                          | - | - |
|                                    | After five but within ten years                                                                                                                                                                                                                                      | 278                                                                                                                                                                                                                                                                        | 280 | 4.85% |
|                                    | After ten years                                                                                                                                                                                                                                                      | 5,194                                                                                                                                                                                                                                                                      | 5,303 | 4.87% |
|                                    |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |
| Mortgage-backed securities              | 38,699                                                                                                                                                                                                                                                               | 38,754                                                                                                                                                                                                                                                                     | 3.50% |
|                                    |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |
| Collateralized mortgage obligations     | 12,696                                                                                                                                                                                                                                                               | 13,026                                                                                                                                                                                                                                                                     | 4.47% |
|                                    |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |   |
| Total                                   | $                                75,904                                                              | $                             76,436                                                                                                |   |
|                                    |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |
| Total Securities by Maturity Period *   |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |
| Within one year                         | $                                           - | $                                        -                              |   |
| After one but within five years         | 390                                                                                                                                                                                                                                                                  | 394                                                                                                                                                                                                                                                                        |   |
| After five but within ten years         | 18,807                                                                                                                                                                                                                                                               | 18,841                                                                                                                                                                                                                                                                     |   |
| After ten years                         | 5,312                                                                                                                                                                                                                                                                | 5,421                                                                                                                                                                                                                                                                      |   |
| Mortgage-backed securities              | 38,699                                                                                                                                                                                                                                                               | 38,754                                                                                                                                                                                                                                                                     |   |
| Collateralized mortgage obligations     | 12,696                                                                                                                                                                                                                                                               | 13,026                                                                                                                                                                                                                                                                     |   |
|                                    |                                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                       |   |
| Total by Maturity Period                | $                               75,904                                                                         | $                            76,436                                                                                            |   |

----

|                                    |                                                                      | Held to Maturity                                                                                                                                                            |
|-----------------------------------------|---------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                    |                                                                      | March 31, 2010                                                                                                                                                              |
|                                    |                                                                      | AmortizedCosts                                                                                                                                                              | FairValue |  Yield |
|                                    |                                                                      |                                                                                                                                                                        |   |   |
| Obligations of states and subdivisions: |                                                                      |                                                                                                                                                                        |   |
|                                    | Within one year                                                           | 141                                                                                                                                                                         | 145 | 4.00% |
|                                    | After one but within five years                                           | 300                                                                                                                                                                         | 323 | 3.75% |
|                                    | After five but within ten years                                           | 2,331                                                                                                                                                                       | 2,387 | 4.83% |
|                                    | After ten years                                                           | 2,828                                                                                                                                                                       | 2,859 | 5.75% |
|                                    |                                                                      |                                                                                                                                                                        |   |
| Mortgage-backed securities              | 846                                                                       | 882                                                                                                                                                                         | 4.42% |
|                                    |                                                                      |                                                                                                                                                                        |   |
| Collateralized mortgage obligations     | 5,037                                                                     | 5,252                                                                                                                                                                       | 5.58% |
|                                    |                                                                      |                                                                                                                                                                        |   |   |
| Total                                   | $           11,483 |     $                         11,848 |   |

| Total Securities by Maturity Period * |                                                                                                        |                                                                                                                                                                                                                                                                    |
|---------------------------------------|-------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Within one year                       | $                  141 |             $                                145 |   |
| After one but within five years       | 300                                                                                                         | 323                                                                                                                                                                                                                                                                     |   |
| After five but within ten years       | 2,331                                                                                                       | 2,387                                                                                                                                                                                                                                                                   |   |
| After ten years                       | 2,828                                                                                                       | 2,859                                                                                                                                                                                                                                                                   |   |
| Mortgage-backed securities            | 846                                                                                                         | 882                                                                                                                                                                                                                                                                     |   |
| Collateralized mortgage obligations   | 5,037                                                                                                       | 5,252                                                                                                                                                                                                                                                                   |   |
| Total by Maturity Period              | $           11,483                                   |  $                        11,848                                                                                                                |   |

| March 31, 2010                        |   | Less than 12 Months |   |   | 12 Months or More |   |   | Total |
|---------------------------------------|--------|---------------------|--------|--------|-------------------|--------|--------|-------|
|                                  |   | Fair                |   |   | Unrealized        |   |   | Fair  |   |   | Unrealized |   |   | Fair |   |   | Unrealized |
|                                  |   | Value               |   |   | Losses            |   |   | Value |   |   | Losses |   |   | Value |   |   | Losses |
| Government-sponsored enterprises*     | $      | 9,775               |   | $      | (34)              |   | $      | -     |   | $ | - |   | $ | 9,775 |   | $ | (34) |
| Mortgage-backed securities            |   | 24,829              |   |   | (211)             |   |   | 29    |   |   | (2) |   |   | 24,858 |   |   | (213) |
| State and political subdivisions      |   | 666                 |   |   | (7)               |   |   | -     |   |   | - |   |   | 666 |   |   | (7) |
| Total temporarily impaired securities | $      | 35,270              |   | $      | (252)             |   | $      | 29    |   | $ | (2) |   | $ | 35,299 |   | $ | (254) |

----

| December 31, 2009                     |   | Less than 12 Months |   |   | 12 Months or More |   |   | Total |
|---------------------------------------|--------|---------------------|--------|--------|-------------------|--------|--------|-------|
|                                  |   | Fair                |   |   | Unrealized        |   |   | Fair  |   |   | Unrealized |   |   | Fair |   |   | Unrealized |
|                                  |   | Value               |   |   | Losses            |   |   | Value |   |   | Losses |   |   | Value |   |   | Losses |
| U.S. Government and federal agency    | $      | 199                 |   | $      | (1)               |   | $      | -     |   | $ | - |   | $ | 199 |   | $ | (1) |
| Government-sponsored enterprises*     |   | 10,555              |   |   | (182)             |   |   | -     |   |   | - |   |   | 10,555 |   |   | (182) |
| Mortgage-backed securities            |   | 28,863              |   |   | (468)             |   |   | 32    |   |   | (2) |   |   | 28,895 |   |   | (470) |
| State and political subdivisions      |   | 666                 |   |   | (7)               |   |   | -     |   |   | - |   |   | 666 |   |   | (7) |
| Total temporarily impaired securities | $      | 40,283              |   | $      | (658)             |   | $      | 32    |   | $ | (2) |   | $ | 40,315 |   | $ | (660) |

| March 31, 2010 |   | Less than 12 months |   |   | 12 Months or More |   |   Total |
|----------------|--------|---------------------|--------|--------|-------------------|--------|--------------|
|                                  |   | Fair  |   |   | Unrealized |   |   | Fair  |   |   | Unrealized |   |   | Fair  |   |   | Unrealized |
|---------------------------------------|--------|-------|--------|--------|------------|--------|--------|-------|--------|--------|------------|--------|--------|-------|--------|--------|------------|
|                                  |   | Value |   |   | Losses     |   |   | Value |   |   | Losses     |   |   | Value |   |   | Losses     |
| State and political subdivisions      | $      | 237   |   | $      | (18)       |   | $      | 509   |   | $      | (6)        |   | $      | 746   |   | $      | (24)       |
| Total temporarily impaired securities | $      | 237   |   | $      | (18)       |   | $      | 509   |   | $      | (6)        |   | $      | 746   |   | $      | (24)       |

| December 31, 2009                     |   | Less than 12 months |   |   | 12 Months or More |   |   | Total |
|---------------------------------------|--------|---------------------|--------|--------|-------------------|--------|--------|-------|
|                                  |   | Fair                |   |   | Unrealized        |   |   | Fair  |   |   | Unrealized |   |   | Fair |   |   | Unrealized |
|                                  |   | Value               |   |   | Losses            |   |   | Value |   |   | Losses |   |   | Value |   |   | Losses |
| State and political subdivisions      | $      | 237                 |   | $      | (17)              |   | $      | 509   |   | $ | (6) |   | $ | 746 |   | $ | (23) |
| Total temporarily impaired securities | $      | 237                 |   | $      | (17)              |   | $      | 509   |   | $ | (6) |   | $ | 746 |   | $ | (23) |

----

|                                                         | 3/31/10                                                                                                              | 3/31/09                                                                                                                                           |
|--------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------|
| Balance at January 1                                         | $                   14,630 | $                        7,592 |
| Provision for loan losses                                    | 208                                                                                                                  | 1,433                                                                                                                                             |
| Recoveries:                                                  |                                                                                                                 |                                                                                                                                              |
|      Commercial                     | 13                                                                                                                   | -                                                                                                                                                 |
|      Loans to individuals           | 3                                                                                                                    | -                                                                                                                                                 |
|      Real Estate Construction       | 3                                                                                                                    | -                                                                                                                                                 |
| Charged off loans:                                           |                                                                                                                 |                                                                                                                                              |
|       Commercial               | (58)                                                                                                                 | (1,440)                                                                                                                                           |
|       Loans to individuals     | -                                                                                                                    | (2)                                                                                                                                               |
|       Commercial Real Estate   | (11)                                                                                                                 | -                                                                                                                                                 |
|       Residential Real Estate  | (180)                                                                                                                | -                                                                                                                                                 |
|       Real Estate Construction | (345)                                                                                                                | -                                                                                                                                                 |
| Balance at March 31                                          | $                 14,263                  | $                        7,583 |

|    | Earnings/(Loss) Per Share |
|---------|---------------------------|
|    | 3 Months Ending           |
|    | 3/31/10                   | 3/31/09 |
|    |                      |   |
| Basic   | $0.13                     | ($0.02) |
|    |                      |   |
| Diluted | $0.13                     | ($0.02) |

|    | Weighted Average Shares |
|---------|-------------------------|
|    | 3 Months Ending         |
|    | 3/31/10                 | 3/31/09 |
|    |                    |   |
| Basic   | 4,680,251               | 4,680,142 |
|    |                    |   |
| Diluted | 4,685,799               | 4,680,426 |

----

|                                                           | 3 Months Ended(dollars in 000s) |
|----------------------------------------------------------------|---------------------------------|
|                                                           |                            | 3/31/10 |   | 3/31/09 |
| Net unrealized gains on securities available for sale:         |                            |   |   |   |
| Change in net unrealized gains on available for sale           | $                               | 599 | $ | 312 |
|  Reclassification adjustment for gains realized in income |                            | - |   | (267) |
|  Income tax expense                                       |                            | (204) |   | (15) |
| Other comprehensive income, net of income taxes                | $                               | 395 | $ | 30 |

----

|                   |    OptionsOutstanding |   |  Weighted AverageExercisePrice |   | Weighted Average Grant Date Fair Value |   |  Intrinsic Value of Options Exercised                                                                                              |  WeightedAverageContractualTerm |
|------------------------|--------------------------------------|--------|-------------------------------------|--------|----------------------------------------|--------|-----------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------|
| Balance at 12/31/09    | 237,850                              | $      | 8.77                                | $      |  2.76                             | $      |                     (125)                | 6.65 years                           |
|                   |                                 |   |                                |   |                                   |   |                                                                                                                                    |                                 |
| Granted                | 6,700                                |   | 4.05                                |   | 1.42                                   |   |                                                                                                                                    |                                 |
|                   |                                 |   |                                |   |                                   |   |                                                                                                                                    |                                 |
| Balance at 3/31/10     | 244,450                              | $      | 8.64                                | $      | 2.72                                   | $      |                        41 | 6.49 years                           |
|                   |                                 |   |                                |   |                                   |   |                                                                                                                                    |                                 |
| Exercisable at 3/31/10 | 130,950                              | $      | 10.03                               | $      | 3.01                                   |   |                      n/a            | 4.80 years                           |
|                   |                                 |   |                                |   |                                   |   |                                                                                                                                    |                                 |

|                               | 3 Months Ended(dollars in 000s) |
|------------------------------------|---------------------------------|
|                               |                            | 3/31/10 |   | 3/31/09 |
| Number of shares vested:           |                            | 7,700 |   | 7,400 |
| Total fair value of shares vested: | $                               | 26 | $ | 26 |

|                    |  Non-VestedRestricted StockOutstanding | Weighted AverageGrant DateFair Value |
|-------------------------|---------------------------------------------|--------------------------------------|
|                    |                                        |                                 |
| Outstanding at 12/31/09 | 30,000                                      | $4.62                                |
|                    |                                        |                                 |
| Granted                 | 36,195                                      | $4.05                                |
|                    |                                        |                                 |
| Outstanding at 3/31/10  | 66,195                                      | $4.31                                |

----

|  (in 000’s)                                           |   |  Total |   |  Level 1 |   |  Level 2 |   |  Level 3 |
|------------------------------------------------------------------|--------|-------------|--------|---------------|--------|---------------|--------|---------------|
| Investment securities available-for-sale:                        |   |        |   |          |   |          |   |          |
|      U.S. Government and federal agency | $      | 2,532       | $      | -             | $      | 2,532         | $      | -             |
|      Government-sponsored enterprises   |   | 16,541      |   | -             |   | 16,541        |   | -             |
|      Mortgage-backed securities         |   | 51,780      |   | -             |   | 51,780        |   | -             |
|      States and political subdivisions  |   | 5,583       |   | -             |   | 5,583         |   | -             |
| Total assets at fair value                                       | $      | 76,436      | $      | -             | $      | 76,436        | $      | -             |
|                                                             |   |        |   |          |   |          |   |          |
| Total liabilities at fair value                                  | $      | -           | $      | -             | $      | -             | $      | -             |
|                                                             |   |        |   |          |   |          |   |          |

|  (in 000’s)                                 |   |  Total |   |  Level 1 |   |  Level 2 |   |  Level 3 |
|--------------------------------------------------------|--------|-------------|--------|---------------|--------|---------------|--------|---------------|
| Impaired loans                                         |   |        |   |          |   |          |   |          |
|      Commercial               | $      | 2,784       | $      | -             | $      | 2,784         | $      | -             |
|      Commercial Real Estate   |   | 13,683      |   | -             |   | 13,683        |   | -             |
|      Residential Real Estate  |   | 8,354       |   | -             |   | 8,354         |   | -             |
|      Construction Real Estate |   | 21,636      |   | -             |   | 21,636        |   | -             |
| Foreclosed assets                                      |   | 3,258       |   | -             |   | 3,258         |   | -             |
| Total assets at fair value                             | $      | 49,715      | $      | -             | $      | 49,715        | $      | -             |
|                                                   |   |        |   |          |   |          |   |          |
| Total liabilities at fair value                        | $      | -           | $      | -             | $      | -             | $      | -             |

----

|                                                                                                                                    |   | March 31, 2010           |   |   | December 31, 2009        |
|-----------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------|--------|--------|--------------------------|
| (in 000’s)                                                                                                                        |   | CarryingAmounts          |   |   | ApproximateFair Values   |   |   | CarryingAmounts |   |   | ApproximateFair Values |
| Financial assets                                                                                                                        |   |                     |   |   |                     |   |   |   |   |   |   |
|    Cash and due from banks                                                                                               | $      | 7,223                    |   | $      | 7,223                    |   | $ | 8,179 |   | $ | 8,179 |
|    Interest-bearing deposits in banks                                                                                    |   | 44,814                   |   |   | 44,814                   |   |   | 23,699 |   |   | 23,699 |
|    Securities available-for-sale                                                                                         |   | 76,436                   |   |   | 76,436                   |   |   | 70,485 |   |   | 70,485 |
|    Securities held-to-maturity                                                                                           |   | 11,483                   |   |   | 11,848                   |   |   | 11,991 |   |   | 12,246 |
|    Restricted equity securities                                                                                          |   | 6,172                    |   |   | 6,172                    |   |   | 6,172 |   |   | 6,172 |
|    Loans, net                                                                                                            |   | 554,052                  |   |   | 553,464                  |   |   | 556,391 |   |   | 557,975 |
|    Bank owned life insurance                                                                                             |   | 13,064                   |   |   | 13,064                   |   |   | 12,930 |   |   | 12,930 |
|    Foreclosed Assets                                                                                                     |   | 3,258                    |   |   | 3,258                    |   |   | 2,513 |   |   | 2,513 |
|                                                                                                                                    |   |                     |   |   |                     |   |   |   |   |   |   |
| Financial liabilities                                                                                                                   |   |                     |   |   |                     |   |   |   |   |   |   |
|    Total deposits                                                                                                        |   | 578,466                  |   |   | 579,568                  |   |   | 552,928 |   |   | 553,908 |
|    Short-term borrowings                                                                                                 |   | 25,000                   |   |   | 25,000                   |   |   | 20,000 |   |   | 20,000 |
|    Securities sold under agreements to repurchase                                                                        |   | 17,968                   |   |   | 17,968                   |   |   | 21,304 |   |   | 21,304 |
|     Long-term borrowings                                                                                            |   | 43,000                   |   |   | 46,338                   |   |   | 48,000 |   |   | 51,403 |
|     Guaranteed preferred   beneficial interests in the Company’s juniorsubordinated debentures |   |    16,496 |   |   |    15,865 |   |   |    16,496 |   |   |    15,864 |

----

----

|  Key Performance Ratios (1) |
|---------------------------------------|
|                                  |   |   |   |   |   |
|                                  | 3 months |   | 12 months |   | 3 months |
|                                  | Ended |   | Ended |   | Ended |
|                                  | 3/31/10 |   | 12/31/09 |   | 3/31/09 |
| Return on average assets              | 0.48% |   | (0.81%) |   | 0.09% |
| Return on average equity (2)          | 6.58% |   | (10.03%) |   | 1.02% |
| Net interest margin (3)               | 2.95% |   | 2.99% |   | 2.89% |
| Cost of funds                         | 1.96% |   | 2.26% |   | 2.45% |
| Yield on earning assets               | 4.83% |   | 5.14% |   | 5.20% |
| Basic net earnings per common share   | $ 0.13 |   | ($1.42) |   | ($0.02) |
| Diluted net earnings per common share | $ 0.13 |   | ($1.42) |   | ($0.02) |

|   | (1) | Ratios are annualized. |
|--------|-----|------------------------|

|   | (2) | The calculation of ROE excludes the effect of any unrealized gains or losses on investment securities available-for-sale. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------|

|   | (3)   | Calculated on a fully taxable equivalent basis (“FTE”). |
|--------|-----------------|---------------------------------------------------------------------|

----

|                                              |   | Three months ended 3/31/10 |   | Twelve months ended 12/31/09 |   | Three months ended 3/31/09 |
|---------------------------------------------------|--------|----------------------------|--------|------------------------------|--------|----------------------------|
| Net interest income, non tax-equivalent           | $      | 4,978                      | $      | 19,824                       | $      | 4,594                      |
| Less: tax-exempt interest income                  |   | (121)                      |   | (511)                        |   | (110)                      |
| Add: tax-equivalent of tax-exempt interest income |   | 183                        |   | 774                          |   | 167                        |
| Net interest income, tax-equivalent               | $      | 5,040                      | $      | 20,087                       | $      | 4,651                      |

|  Ratio    |   | Well Capitalized |   |  3/31/10 |   |  12/31/09 |   | 3/31/09     |
|----------------|--------|------------------|--------|---------------|--------|----------------|--------|-------------|
|  Tier 1   |   |  6.0%       |   | 11.9%         |   | 11.7%          |   | 12.8%       |
|  Total    |   |  10.0%      |   | 13.2%         |   | 13.0%          |   | 14.0%       |
|  Leverage |   |  5.0%       |   |  9.5%    |   |  9.4%     |   |  10.9% |

----

|  Ratio    |   | Well Capitalized |   |  3/31/10 |   |  12/31/09 |   | 3/31/09 |
|----------------|--------|------------------|--------|---------------|--------|----------------|--------|---------|
|  Tier 1   |   |  6.0%       |   | 10.8%         |   | 10.6%          |   | 10.9%   |
|  Total    |   |  10.0%      |   | 12.1%         |   | 11.9%          |   | 12.2%   |
|  Leverage |   |  5.0%       |   | 8.6%          |   | 8.5%           |   | 9.3%    |

| Key Growth Indicators |
|-----------------------|
| (dollars in,000s)     |
|                  |   |   |   |   |   |   |
|                  |   | 3/31/10 |   | 12/31/09 |   | 3/31/09 |
| Investment securities | $ | 94,091 | $ | 88,648 | $ | 86,081 |
| Loans, net            | $ | 554,052 | $ | 556,391 | $ | 560,164 |
| Deposits              | $ | 578,466 | $ | 552,928 | $ | 502,860 |
| Total assets          | $ | 738,247 | $ | 713,725 | $ | 692,851 |

----

| Non-performing Assets                        |
|----------------------------------------------|
| (dollars in 000s)                            |
|                                         |   |   |   |   |   |   |
|                                         |   | 3/31/10 |   | 12/31/09 |   | 3/31/09 |
| Nonaccrual loans                             | $ | 29,695 | $ | 28,568 | $ | 5,665 |
| Loans past due 90 days or more               |   | 4 |   | 24 |   | 75 |
| Total nonperforming loans                    | $ | 29,699 | $ | 28,592 | $ | 5,740 |
|                                         |   |   |   |   |   |   |
| Foreclosed, repossessed and idled properties |   | 3,258 |   | 2,513 |   | 1,846 |
| Total nonperforming assets                   | $ | 32,957 | $ | 31,105 | $ | 7,586 |

----

----

----

| ExhibitNumber |   |  Description                                                                                                                                |
|---------------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------|
|          |   |                                                                                                                                             |
| 3.1           |   | Bylaws, as amended and restated May 12, 2010.*                                                                                                   |
|          |   |                                                                                                                                             |
| 31.1          |   | Chief Executive Officer Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.*                                                |
|          |   |                                                                                                                                             |
| 31.2          |   | Chief Financial Officer Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.*                                                |
|          |   |                                                                                                                                             |
| 32.1          |   | Chief Executive Officer Certification Pursuant to 18 U.S.C. Section 1350, as adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.* |
|          |   |                                                                                                                                             |
| 32.2          |   | Chief Financial Officer Certification Pursuant to 18 U.S.C. Section 1350, as adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.* |

----

----

| ExhibitNumber |   |  Description                                                                                                                                |
|---------------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------|
|          |   |                                                                                                                                             |
| 3.1           |   | Bylaws, as amended and restated May 12, 2010.*                                                                                                   |
|          |   |                                                                                                                                             |
| 31.1          |   | Chief Executive Officer Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.*                                                |
|          |   |                                                                                                                                             |
| 31.2          |   | Chief Financial Officer Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.*                                                |
|          |   |                                                                                                                                             |
| 32.1          |   | Chief Executive Officer Certification Pursuant to 18 U.S.C. Section 1350, as adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.* |
|          |   |                                                                                                                                             |
| 32.2          |   | Chief Financial Officer Certification Pursuant to 18 U.S.C. Section 1350, as adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.* |

----