Securities Purchase Agreement

UNITED STATES DEPARTMENT OF THE TREASURY

1500 Pennsylvania Avenue, NW

Washington, D.C. 20220

March 27, 2009

Ladies and Gentlemen:

Reference is made to that certain Letter Agreement incorporating the Securities Purchase Agreement – Standard Terms dated of as of the date of this letter agreement (the “ Securities Purchase Agreement ”) between United States Department of Treasury (“ Investor ”) and the company named on the signature page hereto (the “ Company ”). Investor and the Company desire to amend the Securities Purchase Agreement as follows:

1.          Section 2.1(a) of the Securities Purchase Agreement is amended to read in its entirety as follows:

2.         Section 2.1(c) of the Securities Purchase Agreement is amended to read in its entirety as follows:

“(c)     “ Previously Disclosed ” means information set forth or incorporated in the Company’s Annual Report on Form 10-K for the most recently completed fiscal year of the Company filed with the Primary Federal Securities Regulator prior to the execution and delivery of this Agreement (the “ Last Fiscal Year ”) or in its other reports and forms filed with or furnished to the Primary Federal Securities Regulator as contemplated under Sections 13(a), 14(a) or 15(d) of the Exchange Act on or after the last day of the Last Fiscal Year and prior to the execution and delivery of this Agreement. “ Primary Federal Securities Regulator ” means the SEC or the primary federal bank regulator with which the Company files its reports, registration statements, proxy statements and other filings under the Exchange Act. If the Company is required to make filings with a Primary Federal Securities Regulator oth