text: We thank Craig and Curtis for their outstanding service and 
  
  dedication to the Company, and we welcome the newest 
  
  members of our management team. We are very honored 
  
  to have these experienced professionals join the 
  
  Company. We also are pleased that Kenneth T. Murphy 
  
  will continue as Chairman of the Board and in that role will 
  
  focus on acquisitions. With this experienced management 
  
  team, which includes our 10 bank presidents, we are 
  
  poised for growth and continued strong results. We 
  
  greatly appreciate both their efforts and those of our 
  
  directors and employees. 