Hey all:

Is there anyone out there reading this message board?

I just bought in today for $7.5/share. Of course, the stock promptly went down after I bought.

I think management at this bank is very conservative and they appear to be running the bank well.

I also think that the software division is worth a lot. This could be quite valuable to shareholders when it gets spun out as a publicly traded stock.

I think this is a good value, and off of most investor's radar screens.

I wonder how many other small banks are out there that are severely undervalued and unknown.

Any one have any thoughts of this?

Roberto