"You deserve a real community bank!"  I understand that the turmoil in the financial markets is unnerving for many of us. The general consensus is that the problems rest with many of the financial service firms that are not banks.   Please rest assured knowing that Two River has never engaged in sub-prime lending and has always tried to do what was mutually beneficial for both the client and Bank. Consequently, we are here today, ready to lend money and provide a safe and sound home for your deposits, all delivered with excellent service.   I want you to know that Two River, your community bank, is here to support you and the communities that we serve. We are a well-capitalized institution, prudent in our business model and dedicated to serving our markets on an ongoing basis.   Please stop by one of our eleven convenient locations, email or call us. We are always here to support you, especially now when you need us most.   If you have any questions, please feel free to call me.   Very Truly Yours,             William D. Moss President & CEO