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              [html]<thead><tr><td>2</td><td>Corporate Profile</td></tr></thead><tbody><tr><td>3</td><td>Financial Highlights</td></tr><tr><td>4</td><td>Letter to Shareholders</td></tr><tr><td>6</td><td>Shareholder Values</td></tr><tr><td>12</td><td>Selected Financial Data</td></tr><tr><td>13</td><td>Trust Services</td></tr><tr><td>14</td><td>Subsidiary Bank Reports Financial Summaries Senior Officers and Directors Market Share</td></tr><tr><td>25</td><td>Form 10 - K</td></tr></tbody>
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