Overall, trends look good and in line with expectations. We were pleasantly surprised to see expenses decline on a linked quarter basis. Also, it appears that deposit growth accelerated in the final month of the quarter.

The first quarter, while a little shy on the truck side, met our internal overall profitability expectations created in the fall of 2005, and we remain confident in our ability to grow our earnings for the balance of 2006.

This year I have high expectations for myself because I nor anyone on my team has yet to see how good I really am. 'The sky is the limit,' as my coach Fred Harvey would say.

The bottom line for us is we are experiencing excellent revenue growth..., ... We have good expectations for the fourth quarter and all of 2006.

The expectations were that we were going to be the best thing since sliced bread. I had three starters back from a team that was 25-2.

In a way, this is giving these kids' poems to the wind.