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FINANCIAL SUMMARY OF THE LAST 5 YEARS
(unaudited, in thousands of dollars except for share and per share data)
December 31,	2007	2006	2005	2004	2003
EARNINGS
Net Income	22,128	22,628	22,102	20,875	21,336
Net Interest Income	63,964	65,710	64,361	60,605	61,194
Earnings Per Share	2.24	2.20	2.09	1.92	1.92
Cash Dividends Per Share	0.88	0.88	0.79	0.76	0.76
BALANCES AT DECEMBER 31st
Assets	1,470,581	1,392,649	1,409,866	1,348,218	1,328,757
Net Loans	951,128	883,896	895,209	817,220	830,510
Investment Securities	410,407	418,343	417,312	442,139	390,830
Deposits	1,143,375	1,139,075	1,158,707	1,197,592	1,187,496
Equity	108,981	108,566	102,001	106,212	100,170
Shares Outstanding	9,610,730	10,242,292	10,406,721	10,842,537	10,949,283
Book Value Per Common Share	11.34	10.60	9.80	9.80	9.15
RATIOS
Return on Average Equity	21.47%	22.16%	22.18%	20.85%	21.93%
Return on Average Assets	1.57%	1.61%	1.59%	1.53%	1.64%
Average Capital Ratio	7.30%	7.25%	7.19%	7.35%	7.50%
Net Interest Margin (Tax Equivalent)	5.06%	5.16%	5.09%	4.90%	5.13%
Net Charge-offs to Average Net Loans	(0.01%)	0.36%	(0.01%)	0.28%	0.13%
Efficiency Ratio	54.17%	52.34%	50.28%	50.24%	49.91%