Jane O. Kosman - Page 10

                                                 - 10 -                                                   


                                      Consolidated Balance Sheets for                                     
                                         Scottsbluff National Corp.                                       
                                                December 31                                               

        1981         1982         1983         1984         1985        1986                              
        Cash &                                                                                            
        due from                                                                                          
        banks         $7,486,850   $5,665,233   $7,899,122   $8,074,581   $8,296,300  $15,300,513         
        Investment                                                                                        
        securities    22,101,096   28,127,111   29,526,735   36,082,308   44,489,796   64,839,147         
        Fed. funds                                                                                        
        sold &                                                                                            
        securities                                                                                        
        purchased                                                                                         
        u/a resell     8,334,000    9,694,000   12,574,000    6,300,000    4,550,000   11,500,000         
        Due from                                                                                          
        FDIC             - 0 -         - 0 -       - 0 -        - 0 -        - 0 -     33,392,252         
        Net loan      56,705,401   59,221,104   64,159,394   66,532,321   65,078,845   75,014,696         
        Premises &                                                                                        
        equipment        905,123      823,939      776,627      711,640      676,957    1,255,549         
        Investment                                                                                        
        in direct                                                                                         
        financing                                                                                         
        leases           - 0 -         - 0 -       - 0 -        - 0 -        506,684      386,869         
        Other real                                                                                        
        estate                                                                                            
        owned            - 0 -         - 0 -       - 0 -        - 0 -      2,229,106    2,190,305         
        Other                                                                                             
        assets         2,055,449    2,850,616    3,040,321    3,941,466    2,843,590    5,008,152         
        Total                                                                                             
        assets        97,587,919  106,382,003  117,976,199  121,642,316  128,671,278  208,887,483         
        Total                                                                                             
        deposits      84,779,882   91,969,448  102,308,473  105,620,830  111,666,690  190,521,460         
        Total                                                                                             
        liabilities                                                                                       
        89,268,848   96,689,116  106,871,609  109,053,560  115,013,837  193,817,576                       
        Total                                                                                             
        stockholders                                                                                      
        equity         8,319,071    9,692,887   11,104,590   12,588,756   13,657,441   15,069,907         
        Total                                                                                             
        liabilities &                                                                                     
        stockholders                                                                                      
        equity        97,587,919  106,382,003  117,976,199  121,642,316  128,671,278  208,887,483         












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