December 31, 2006
(unaudited)

Assets

Cash And Due From Banks
$51,709,292
Securities Available for Sale, At Fair Value
84,047,359
Securities Held To Maturity, At Amortized Cost
143,616,786
Federal Home Loan Bank Of NY Stock, At Cost
1,852,600
Total Loans (Net)
248,396,939
Premises and Equipment (Net)
12,274,230
Other Assets
28,052,166
TOTAL ASSETS
$569,949,372

Liabilities & Equity

Non-interest Bearing Deposits
$61,919,032
Interest Bearing Deposits
400,838,031
Borrowed Funds
20,950,000
Escrow & Other Liabilities
11,599,635
Total Liabilities
$495,306,698
Total Equity
$74,642,674
TOTAL LIABILITIES AND EQUITY
$569,949,372

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