06-30-99

REPORT OF CONDITION: 06-30-00

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF JUNE 30, 2000(IN THOUSANDS)

ASSETS

1. Cash and balances due from depository institutions
   a. Noninterest-bearing balances and currency and coin..............13,170
   b. Interest-bearing balances............................................0
2. Securities:
   a. Held-to-maturity securities......................................7,449
   b. Available-for-sale securities...................................27,953
3. Federal funds sold and securities purchased under agreements to resell:
   a. Federal funds sold...............................................1,610
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases, net of unearned income...........133,697
   b. LESS: Allowance for loan and lease losses............1,469
   c. LESS: Allocated transfer risk reserve....................0
   d. Loans and leases, net of unearned income, allow., and reserve..132,228
5. Trading assets..........................................................0
6. Premises and fixed assets (including capitalized leases)...........11,322
7. Other real estate owned.................................................0
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Customer's liability to this bank on acceptances outstanding............0
10.Intangible assets...................................................2,371
11.Other assets........................................................7,436
12.Total assets......................................................203,539

LIABILITIES

13.Deposits:
   a. In domestic offices............................................170,322
      (1) Noninterest-bearing.............................34,199
      (2) Interest-bearing...............................136,123
14.Federal funds purchased & securities sold under agreements to repurchase:
   a. Federal funds purchased.........................................12,383
15.a. Demand notes issued to the U.S. Treasury.............................0
   b. Trading liabilities..................................................0
16.Other borrowed money:
   a. With original maturity of one year or less.........................  0
   b. With original maturity of more than one year through three years.....0
   c. With a remaining maturity of more than three years.................549
17.Mortgage indebtedness and obligations under capitalized leases..........0
18.Bank's liability on acceptances executed and outstanding................0
19.Subordinated notes and debentures.......................................0
20.Other liabilities...................................................2,491
21.Total liabilities.................................................185,745
22.Limited-life preferred stock and related surplus........................0

EQUITY CAPITAL

23.Perpetual preferred stock and related surplus...........................0
24.Common stock........................................................1,680
25.Surplus(exclude all surplus related to preferred stock).............2,091
26.a. Undivided profits and capital reserves..........................14,271
   b. Net unrealized holding gain(losses)available for sale securities.(248)
27.Cumulative foreign currency transaction adjustments.....................0
28.Total equity capital...............................................17,794
29.Total liabilities, limited life preferred stock, equity capital...203,539

03-31-99

REPORT OF CONDITION: 03-31-99

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF MARCH 31, 1999(IN THOUSANDS)

ASSETS

1. Cash and balances due from depository institutions
   a. Noninterest-bearing balances and currency and coin...............9,575
   b. Interest-bearing balances............................................0
2. Securities:
   a. Held-to-maturity securities.....................................16,150
   b. Available-for-sale securities...................................17,137
3. Federal funds sold and securities purchased under agreements to resell:
   a. Federal funds sold..............................................11,350
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases, net of unearned income...........110,959
   b. LESS: Allowance for loan and lease losses............1,216
   c. LESS: Allocated transfer risk reserve....................0
   d. Loans and leases, net of unearned income, allow., and reserve..109,743
5. Trading assets..........................................................0
6. Premises and fixed assets (including capitalized leases)............8,902
7. Other real estate owned...............................................136
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Customer's liability to this bank on acceptances outstanding............0
10.Intangible assets......................................................44
11.Other assets........................................................4,633
12.Total assets......................................................177,670

LIABILITIES

13.Deposits:
   a. In domestic offices............................................154,592
      (1) Noninterest-bearing.............................29,797
      (2) Interest-bearing...............................124,795
14.Federal funds purchased & securities sold under agreements to repurchase:
   a. Federal funds purchased..........................................3,318
15.a. Demand notes issued to the U.S. Treasury.............................0
   b. Trading liabilities..................................................0
16.Other borrowed money:
   a. With original maturity of one year or less.........................  0
   b. With original maturity of more than one year through three years.....0
   c. With a remaining maturity of more than three years.................607
17.Mortgage indebtedness and obligations under capitalized leases..........0
18.Bank's liability on acceptances executed and outstanding................0
19.Subordinated notes and debentures.......................................0
20.Other liabilities...................................................1,722
21.Total liabilities.................................................160,239
22.Limited-life preferred stock and related surplus........................0

EQUITY CAPITAL

23.Perpetual preferred stock and related surplus...........................0
24.Common stock........................................................1,680
25.Surplus(exclude all surplus related to preferred stock).............2,091
26.a. Undivided profits and capital reserves..........................13,590
   b. Net unrealized holding gain(losses)available for sale securities....70
27.Cumulative foreign currency transaction adjustments.....................0
28.Total equity capital...............................................17,431
29.Total liabilities, limited life preferred stock, equity capital...177,670

09-30-98

REPORT OF CONDITION: 09-31-08

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF SEPTEMBER 31, 2008(IN THOUSANDS)

ASSETS

1. Cash and balances due from depository institutions
   a. Noninterest-bearing balances and currency and coin...............6,888
   b. Interest-bearing balances........................................1,596
2. Securities:
   a. Held-to-maturity securities........................................136
   b. Available-for-sale securities...................................52,858
3. Federal funds sold and securities purchased under agreements to resell:
   a. Federal funds sold..............................................14,000
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases, net of unearned income.........................1,520
   b. LESS: Allowance for loan and lease losses........................3,047
   c. LESS: Allocated transfer risk reserve................................0
   d. Loans and leases, net of unearned income, allow., and reserve..271,480
5. Trading assets..........................................................0
6. Premises and fixed assets (including capitalized leases)...........11,332
7. Other real estate owned.............................................1,289
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Customer's liability to this bank on acceptances outstanding............0
10.Intangible assets...................................................4,219
11.Other assets.......................................................17,448
12.Total assets......................................................383,775

LIABILITIES

13.Deposits:
   a. In domestic offices............................................301,820
      (1) Noninterest-bearing.........................................82,022
      (2) Interest-bearing...........................................219,798
14.Federal funds purchased & securities sold under agreements to repurchase:
   a. Federal funds purchased..........................................2,028
15.a. Demand notes issued to the U.S. Treasury.............................0
   b. Trading liabilities..................................................0
16.Other borrowed money...............................................28,705
17.Mortgage indebtedness and obligations under capitalized leases..........0
18.Bank's liability on acceptances executed and outstanding................0
19.Subordinated notes and debentures.......................................0
20.Other liabilities...................................................6,359
21.Total liabilities.................................................344,242
22.Limited-life preferred stock and related surplus........................0

EQUITY CAPITAL

23.Perpetual preferred stock and related surplus...........................0
24.Common stock........................................................1,680
25.Surplus(exclude all surplus related to preferred stock).............7,091
26.a. Undivided profits and capital reserves..........................29,608
   b. Net unrealized holding gain(losses)available for sale securities....62
27.Cumulative foreign currency transaction adjustments.....................0
28.Total equity capital...............................................39,533
29.Total liabilities, limited life preferred stock, equity capital...383,775

12-31-98

REPORT OF CONDITION: 12-31-98

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 31, 1998(IN THOUSANDS)

ASSETS

1. Cash and balances due from depository institutions
   a. Noninterest-bearing balances and currency and coin..............14,306
   b. Interest-bearing balances............................................0
2. Securities:
   a. Held-to-maturity securities.....................................18,623
   b. Available-for-sale securities...................................18,256
3. Federal funds sold and securities purchased under agreements to resell:
   a. Federal funds sold...............................................8,000
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases, net of unearned income...........110,802
   b. LESS: Allowance for loan and lease losses............1,153
   c. LESS: Allocated transfer risk reserve....................0
   d. Loans and leases, net of unearned income, allow., and reserve..106,649
5. Trading assets..........................................................0
6. Premises and fixed assets (including capitalized leases)............8,576
7. Other real estate owned.................................................0
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Customer's liability to this bank on acceptances outstanding............0
10.Intangible assets......................................................45
11.Other assets........................................................6,175
12.Total assets......................................................183,630

LIABILITIES

13.Deposits:
   a. In domestic offices............................................159,226
      (1) Noninterest-bearing.............................34,279
      (2) Interest-bearing...............................124,947
14.Federal funds purchased & securities sold under agreements to repurchase:
   a. Federal funds purchased..........................................4,266
15.a. Demand notes issued to the U.S. Treasury.............................0
   b. Trading liabilities..................................................0
16.Other borrowed money:
   a. With original maturity of one year or less.........................  0
   b. With original maturity of more than one year through three years.....0
   c. With a remaining maturity of more than three years.................618
17.Mortgage indebtedness and obligations under capitalized leases..........0
18.Bank's liability on acceptances executed and outstanding................0
19.Subordinated notes and debentures.......................................0
20.Other liabilities...................................................2,066
21.Total liabilities.................................................166,176
22.Limited-life preferred stock and related surplus........................0

EQUITY CAPITAL

23.Perpetual preferred stock and related surplus...........................0
24.Common stock........................................................1,680
25.Surplus(exclude all surplus related to preferred stock).............2,091
26.a. Undivided profits and capital reserves..........................13,563
   b. Net unrealized holding gain(losses)available for sale securities...120
27.Cumulative foreign currency transaction adjustments.....................0
28.Total equity capital...............................................17,454
29.Total liabilities, limited life preferred stock, equity capital...183,630

06-30-98

REPORT OF CONDITION: 06-30-00

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF JUNE 30, 2000(IN THOUSANDS)

ASSETS

1. Cash and balances due from depository institutions
   a. Noninterest-bearing balances and currency and coin..............13,170
   b. Interest-bearing balances............................................0
2. Securities:
   a. Held-to-maturity securities......................................7,449
   b. Available-for-sale securities...................................27,953
3. Federal funds sold and securities purchased under agreements to resell:
   a. Federal funds sold...............................................1,610
   b. Securities purchased under agreements to resell......................0
4. Loans and lease financing receivables:
   a. Loans and leases, net of unearned income...........133,697
   b. LESS: Allowance for loan and lease losses............1,469
   c. LESS: Allocated transfer risk reserve....................0
   d. Loans and leases, net of unearned income, allow., and reserve..132,228
5. Trading assets..........................................................0
6. Premises and fixed assets (including capitalized leases)...........11,322
7. Other real estate owned.................................................0
8. Investments in unconsolidated subsidiaries and associated companies.....0
9. Customer's liability to this bank on acceptances outstanding............0
10.Intangible assets...................................................2,371
11.Other assets........................................................7,436
12.Total assets......................................................203,539

LIABILITIES

13.Deposits:
   a. In domestic offices............................................170,322
      (1) Noninterest-bearing.............................34,199
      (2) Interest-bearing...............................136,123
14.Federal funds purchased & securities sold under agreements to repurchase:
   a. Federal funds purchased.........................................12,383
15.a. Demand notes issued to the U.S. Treasury.............................0
   b. Trading liabilities..................................................0
16.Other borrowed money:
   a. With original maturity of one year or less.........................  0
   b. With original maturity of more than one year through three years.....0
   c. With a remaining maturity of more than three years.................549
17.Mortgage indebtedness and obligations under capitalized leases..........0
18.Bank's liability on acceptances executed and outstanding................0
19.Subordinated notes and debentures.......................................0
20.Other liabilities...................................................2,491
21.Total liabilities.................................................185,745
22.Limited-life preferred stock and related surplus........................0

EQUITY CAPITAL

23.Perpetual preferred stock and related surplus...........................0
24.Common stock........................................................1,680
25.Surplus(exclude all surplus related to preferred stock).............2,091
26.a. Undivided profits and capital reserves..........................14,271
   b. Net unrealized holding gain(losses)available for sale securities.(248)
27.Cumulative foreign currency transaction adjustments.....................0
28.Total equity capital...............................................17,794
29.Total liabilities, limited life preferred stock, equity capital...203,539

03-31-98

REPORT OF CONDITION: 03-31-98

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF MARCH 31, 1998(IN THOUSANDS)

ASSETS

1. Cash and balances due from depository institutions
   a. Noninterest-bearing balances and currency and coin..............9,603
   b. Interest-bearing balances.........................................100
2. Securities:
   a. Held-to-maturity securities....................................26,720
   b. Available-for-sale securities..................................12,212
3. Federal funds sold and securities purchased under agreements to
resell:
   a. Federal funds sold.............................................18,525
   b. Securities purchased under agreements to resell.....................0
4. Loans and lease financing receivables:
   a. Loans and leases, net of unearned income...........98,698
   b. LESS: Allowance for loan and lease losses...........1,076
   c. LESS: Allocated transfer risk reserve...................0
   d. Loans and leases, net of unearned income, allow., and reserve.97,622
5. Trading assets........................................................0
6. Premises and fixed assets (including capitalized leases)..........4,251
7. Other real estate owned.............................................241
8. Investments in unconsolidated subsidiaries and associated companies...0
9. Customer's liability to this bank on acceptances outstanding..........0
10.Intangible assets....................................................48
11.Other assets......................................................5,725
12.Total assets....................................................175,047

LIABILITIES

13.Deposits:
   a. In domestic offices..........................................152,016
      (1) Noninterest-bearing.............................31,109
      (2) Interest-bearing...............................120,907
14.Federal funds purchased & securities sold under agreements to repurchase:
   a. Federal funds purchased........................................3,425
15.a. Demand notes issued to the U.S. Treasury...........................0
   b. Trading liabilities................................................0
16.Other borrowed money:
   a. With original maturity of one year or less.......................  0
   b. With original maturity of more than one year.....................650
17.Mortgage indebtedness and obligations under capitalized leases........0
18.Bank's liability on acceptances executed and outstanding..............0
19.Subordinated notes and debentures.....................................0
20.Other liabilities.................................................1,897
21.Total liabilities...............................................157,988
22.Limited-life preferred stock and related surplus......................0

EQUITY CAPITAL

23.Perpetual preferred stock and related surplus.........................0
24.Common stock......................................................1,680
25.Surplus(exclude all surplus related to preferred stock)...........2,091
26.a. Undivided profits and capital reserves........................13,206
   b. Net unrealized holding gain(losses)available for sale securities..82
27.Cumulative foreign currency transaction adjustments...................0
28.Total equity capital.............................................17,059
29.Total liabilities, limited life preferred stock, equity capital.175,047

12-31-97

REPORT OF CONDITION: 12-31-97

REPORT OF CONDITION FOR AMERICAN NATIONAL BANK AS OF DECEMBER 31, 1997(IN THOUSANDS)

ASSETS

1. Cash and balances due from depository institutions
   a. Noninterest-bearing balances and currency and coin.............11,139
   b. Interest-bearing balances.........................................100
2. Securities:
   a. Held-to-maturity securities....................................32,248
   b. Available-for-sale securities..................................12,686
3. Federal funds sold and securities purchased under agreements to
resell:
   a. Federal funds sold.............................................11,800
   b. Securities purchased under agreements to resell.....................0
4. Loans and lease financing receivables:
   a. Loans and leases, net of unearned income...........96,795
   b. LESS: Allowance for loan and lease losses...........1,073
   c. LESS: Allocated transfer risk reserve...................0
   d. Loans and leases, net of unearned income, allow., and reserve.95,722
5. Trading assets........................................................0
6. Premises and fixed assets (including capitalized leases)..........3,766
7. Other real estate owned.............................................256
8. Investments in unconsolidated subsidiaries and associated companies...0
9. Customer's liability to this bank on acceptances outstanding..........0
10.Intangible assets....................................................49
11.Other assets......................................................5,358
12.Total assets....................................................173,124

LIABILITIES

13.Deposits:
   a. In domestic offices..........................................151,297
      (1) Noninterest-bearing.............................29,670
      (2) Interest-bearing...............................121,627
14.Federal funds purchased & securities sold under agreements to repurchase:
   a. Federal funds purchased........................................2,713
15.a. Demand notes issued to the U.S. Treasury...........................0
   b. Trading liabilities................................................0
16.Other borrowed money:
   a. With original maturity of one year or less.......................  0
   b. With original maturity of more than one year.....................661
17.Mortgage indebtedness and obligations under capitalized leases........0
18.Bank's liability on acceptances executed and outstanding..............0
19.Subordinated notes and debentures.....................................0
20.Other liabilities.................................................1,831
21.Total liabilities...............................................156,502
22.Limited-life preferred stock and related surplus......................0

EQUITY CAPITAL

23.Perpetual preferred stock and related surplus.........................0
24.Common stock......................................................1,680
25.Surplus(exclude all surplus related to preferred stock)...........2,091
26.a. Undivided profits and capital reserves........................12,755
   b. Net unrealized holding gain(losses)available for sale securities..96
27.Cumulative foreign currency transaction adjustments...................0
28.Total equity capital.............................................16,622
29.Total liabilities, limited life preferred stock, equity capital.173,124