content_image/178077.jpg content_image/178079.jpg content_image/178076.jpg
## NOTES TO FINANCIAL STATEMENTS 

## 6. PREMISES AND EQUIPMENT 

Premises and equipment consisted of the following: 

<img src='content_image/178077.jpg'>

Depreciation and amortization included in occupancy and equipment expense totaled $129,072 and $144,933, respectively, for 2011 and 2010. 

## 7. INTEREST-BEARING DEPOSITS 

Interest-bearing deposits consisted of the following: 

<img src='content_image/178079.jpg'>

Aggregate annual maturities of time deposits are as follows: 

<img src='content_image/178076.jpg'>

