Before we begin, I need to remind you that during the course of this call, the company may make forward-looking statements about future events and future financial performance, management plans, objectives or goals for future operations, products or services, forecasts on financial and other performance measures and statement about the company’s general outlook for economic and business condition. You should not undue reliance on any forward-looking statement which speaks only as of the date made. These statements are subject to numerous finance factors that could cause actual results to differ materially from those anticipated or projected. For a list of some of these factors, please see the company’s forward-looking statement disclosure on our fourth quarter and fiscal year-end 2010 earnings release.

I will now turn the call over to Wayne.

R. Wayne Hall

Thanks D.B. Good afternoon everyone and thank you for joining us on the call today and for your interest on First Financial. I encourage you to review our fourth quarter and fiscal year-end earnings release if you have not done so already. As D.B. mentioned, it is available on our website and we will be taking questions at the end of the call. We have completed one most difficult and challenging years for our company and the country. The financial sector as a whole has been dramatically affected by economic downturn over the last 24 months. While we recorded a loss for the year, gain levels are encouraging, our capital remains strong and we believe that we are well-positioned for when the economy turns to a more positive (inaudible) direction. We have made (inaudible) investments and (inaudible) capital over the last year. Our talented and skilled management team is leading the company to fundamental stability, improve deficiencies, and we are executing on a strategic initiatives. We are pleased with the results of this quarter and the (inaudible) improvements that we have posted. I will like to review some highlights with you.

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