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"Speaking on behalf
of the organizing directors and officers of Old Harbor Bank, I want to
extend a well-deserved "Thank-You" to you and your staff for your excellent
work in the build-out of our very first banking office. The project was
completed well within the tight time frame that you were given to complete
the job and within budget."
Old Harbor Bank
Barry K. Miller
Chairman and President
July 24, 2003

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