Total deposits increased by $ 20.1 million , or 3.5 % , during the first nine months of 2009 to $ 601.6 million at September 30 , 2009 . This growth was driven by demand deposit accounts which increased by $ 25.1 million , or 20.43 % , to $ 147.8 million at September 30 , 2009 . This strong growth was caused in part by positive publicity that the Company received during the first quarter of 2009 relating to our nationally recognized program for utilization of TARP funds for low interest mortgage loans . The strong growth was also partly attributable to retail and commercial demand deposit account incentives , enhanced treasury management services , and increased market share due to merger disruptions of competitors .