For the full-year period of 2007, net earnings were $6.67 million, or $2.21 per diluted share, compared to $7.58 million, or $2.48 per diluted share for the full-year period of 2006.

Tom McGraw, CEO, said: We are proud to be able to report a strong end-of-year balance sheet and solid earnings for 2007. Our 2007 return on average assets and return on average equity were 1.07% and 10.39% for 2007 compared with 1.32% and 12.86% during 2006.