Kendall O. Clay

The Group's principal activities are to provide consumer and commercial banking services. The Group's commercial and retail banking products and services include checking, savings and time deposits, individual retirement accounts, merchant bankcard processing, ATMs, residential and commercial mortgages, home equity loans, consumer installment loans, agricultural loans, small business, and FHA and SBA guaranteed loans, commercial loans, lines and letters of credit as well as trust services and investment products. As of 31-Dec-2006, it operated 27 branches, two loan production offices, telephone, and online banking. The Group operates in the United States.