Exhibit 99.2

MAIN STREET BANKS, INC.

FINANCIAL HIGHLIGHTS

(Unaudited)


	Second Quarter 2005			First Quarter 2005			Fourth Quarter 2004			Third Quarter 2004			Second Quarter 2004			Six months ended June 30,
	Second Quarter 2005			First Quarter 2005			Fourth Quarter 2004			Third Quarter 2004			Second Quarter 2004			2005			2004
RESULTS OF OPERATIONS
Net interest income	$	22,980,484		$	21,610,573		$	21,430,713		$	20,832,969		$	20,219,242		$	44,591,057		$	40,145,640
Net interest income (tax equivalent)		23,155,302			21,785,622			21,612,019			21,021,094			20,419,505			44,940,924			40,561,060
Provision for loan losses		4,050,000			2,208,555			2,956,380			1,602,500			1,310,000			6,258,555			2,871,000
Non-interest income		7,746,402			7,926,280			7,541,744			7,821,682			7,418,708			15,672,682			15,258,606
Non-interest expense		17,285,513			15,503,167			15,410,405			15,494,210			16,134,081			32,788,680			31,713,116
Net income		5,805,994			8,182,991			7,698,582			8,263,915			7,391,018			13,988,985			14,987,763

AVERAGE BALANCE SHEET DATA (in thousands)
Loans, net of unearned income		1,759,766			1,731,089			1,670,976			1,620,436			1,551,258			1,745,507			1,511,065
Investment securities		309,483			316,742			293,933			288,443			282,850			313,092			271,852
Earning assets		2,100,824			2,090,508			2,030,527			1,940,675			1,864,339			2,095,695			1,817,360
Total assets		2,357,624			2,335,055			2,271,783			2,176,797			2,096,734			2,346,402			2,043,147
Deposits		1,722,226			1,709,580			1,687,864			1,584,819			1,547,739			1,715,938			1,506,394
Shareholders’ equity		284,355			280,723			234,796			218,058			215,051			282,549			212,461

PER COMMON SHARE
Earnings per share - Basic	$	0.27		$	0.38		$	0.39		$	0.43		$	0.38		$	0.66		$	0.78
Earnings per share - Diluted	$	0.27		$	0.38		$	0.38		$	0.41		$	0.37		$	0.64		$	0.75
Book value per share at end of period	$	13.42		$	13.16		$	13.10		$	11.43		$	10.94		$	13.42		$	10.94
End of period shares outstanding		21,415,607			21,315,955			21,229,545			19,457,741			19,381,000			21,415,607			19,381,000
Weighted average shares outstanding
Basic		21,375,087			21,277,737			19,756,947			19,428,145			19,351,343			21,326,681			19,316,112
Diluted		21,899,426			21,818,118			20,372,205			20,015,560			19,974,058			21,788,863			19,948,822

STOCK PERFORMANCE
Market Price:
Closing	$	25.46		$	26.45		$	34.93		$	30.60		$	28.10		$	25.46		$	28.10
High	$	26.46		$	35.34		$	34.93		$	30.60		$	28.82		$	35.34		$	28.82
Low	$	22.58		$	26.35		$	28.55		$	26.46		$	25.62		$	22.58		$	24.90
Trading volume		3,824,400			4,241,000			2,893,800			1,755,400			2,010,000			8,065,400			3,713,700
Cash dividend per share		0.1525			0.1525			0.1350			0.1350			0.1350			0.3050			0.2700
Dividend payout ratio		57.52	%		40.66	%		35.72	%		32.70	%		36.48	%		47.64	%		35.92	%
Price to trailing twelve months earnings		17.8			17.2			22.6			19.8			18.8			17.8			18.8
Price to book value		1.90			2.01			2.67			2.68			2.57			1.90			2.57

PERFORMANCE RATIOS
Return on average assets		0.99	%		1.40	%		1.36	%		1.52	%		1.41	%		1.19	%		1.47	%
Return on average equity		8.17	%		11.66	%		13.12	%		15.16	%		13.75	%		9.90	%		14.11	%
Average earning assets to average total assets		89.11	%		89.53	%		89.38	%		89.15	%		88.92	%		89.32	%		88.95	%
Average loans as percentage of average deposits		102.18	%		101.26	%		99.00	%		102.25	%		100.23	%		101.72	%		100.31	%
Net interest margin (tax equivalent)		4.42	%		4.18	%		4.23	%		4.31	%		4.41	%		4.32	%		4.50	%
Average equity to average assets		12.06	%		12.02	%		10.34	%		10.02	%		10.26	%		12.04	%		10.40	%
Non-interest income ratio		25.21	%		26.84	%		26.03	%		27.30	%		26.84	%		26.01	%		27.54	%
Efficiency ratio		56.26	%		52.49	%		53.19	%		54.07	%		58.38	%		54.41	%		57.24	%

ASSET QUALITY
Total non-performing assets	$	15,637,850		$	21,043,190		$	14,420,734		$	5,845,129		$	8,909,958		$	15,637,850		$	8,909,958
Non-performing assets as a percentage of loans plus foreclosed assets		0.88	%		1.21	%		0.85	%		0.35	%		0.56	%		0.88	%		0.56	%
Net annualized (charge-offs) recoveries as a percentage of average loans		0.86	%		0.56	%		0.48	%		0.11	%		0.09	%		0.71	%		0.12	%
Reserve for loan losses as a percentage of loans, at end of period		1.43	%		1.43	%		1.48	%		1.47	%		1.45	%		1.43	%		1.45	%

OPERATING EARNINGS
Net income	$	5,805,994		$	8,182,991		$	7,698,582		$	8,263,915		$	7,391,018		$	13,988,985		$	14,987,763
Amortization of intangible assets, net		94,150			92,700			88,266			88,266			87,666			186,850			188,929
Job reductions		—			—			—			—			231,845			—			231,845
Contract buyout, net		—			—			—			—			172,366			—			172,366
Systems write-offs, net		—			—			—			—			342,104			—			342,104

Operating income	$	5,900,144		$	8,275,691		$	7,786,848		$	8,352,181		$	8,224,998		$	14,175,835		$	15,923,007

Operating earnings per share
Basic	$	0.28		$	0.39		$	0.39		$	0.43		$	0.43		$	0.66		$	0.82
Diluted	$	0.27		$	0.38		$	0.38		$	0.42		$	0.41		$	0.65		$	0.80

Average tangible assets (in thousands)	$	2,255,383		$	2,232,760		$	2,168,483		$	2,073,327		$	1,993,288		$	2,244,134		$	1,942,071
Average tangible equity (in thousands)		182,114			178,427			131,496			114,588			111,605			180,281			111,385

Operating return on average tangible assets		1.05	%		1.48	%		1.44	%		1.61	%		1.65	%		1.26	%		1.64	%
Operating return on average tangible equity		12.96	%		18.55	%		23.69	%		29.16	%		29.48	%		15.73	%		28.59	%

OPERATING BASIS
Non-interest expense	$	17,142,861		$	15,362,712		$	15,276,669		$	15,360,474		$	16,001,254		$	32,505,574		$	31,426,859
Net interest income		22,980,484			21,610,573			21,430,713			20,832,969			20,219,242			44,591,057			40,145,640
Non-interest income		7,746,402			7,926,280			7,541,744			7,821,682			7,418,708			15,672,682			15,258,606
Efficiency Ratio		55.79	%		52.01	%		52.73	%		53.61	%		57.90	%		53.94	%		56.72	%

MAIN STREET BANKS, INC.

CONSOLIDATED AVERAGE BALANCE SHEET

(Unaudited)


	Second Quarter 2005			First Quarter 2005			Fourth Quarter 2004			Third Quarter 2004			Second Quarter 2004			Six months ended June 30,
	Second Quarter 2005			First Quarter 2005			Fourth Quarter 2004			Third Quarter 2004			Second Quarter 2004			2005			2004
ASSETS
Cash and due from banks	$	38,036,348		$	38,413,540		$	40,385,275		$	39,565,158		$	38,220,151		$	38,223,902		$	37,096,382
Interest-bearing deposits in banks		141,033			243,567			323,412			662,555			660,111			192,017			415,548
Federal funds sold and securities purchased under agreements to resell		885,618			13,026,003			36,014,795			1,037,646			357,846			6,922,274			7,057,811
Investment securities available for sale		298,152,668			305,185,107			282,198,873			276,497,775			270,851,196			301,649,461			260,232,612
Investment securities held to maturity		11,329,939			11,556,504			11,733,821			11,945,588			11,998,340			11,442,595			11,619,323
Other investments		25,327,171			24,575,322			21,866,256			24,140,813			21,352,832			24,953,324			20,696,734
Mortgage loans held for sale		5,221,734			4,833,054			7,413,513			5,954,007			7,860,559			5,028,468			6,273,627
Loans, net of unearned income		1,759,765,993			1,731,088,740			1,670,976,218			1,620,436,393			1,551,258,388			1,745,506,585			1,511,064,500
Allowance for loan losses		(24,995,678	)		(25,278,951	)		(24,559,019	)		(23,402,241	)		(22,505,292	)		(25,136,532	)		(21,956,993	)

Loans, net		1,734,770,315			1,705,809,789			1,646,417,199			1,597,034,152			1,528,753,096			1,720,370,053			1,489,107,507

Premises and equipment, net		53,253,079			53,664,240			52,672,981			50,125,904			46,440,339			53,457,523			45,036,091
Other real estate		2,620,025			2,254,889			1,868,635			1,914,645			2,584,703			2,438,465			2,705,695
Accrued interest receivable		9,761,184			9,721,005			9,091,675			9,058,791			7,874,920			9,741,205			7,745,125
Goodwill and other intangible assets		102,240,940			102,295,536			103,299,382			103,470,116			103,445,869			102,268,087			101,075,802
Bank owned life insurance		57,846,281			44,896,055			41,722,058			41,191,340			41,471,029			51,406,942			39,699,635
Other assets		18,037,491			18,580,516			16,774,679			14,198,902			14,863,167			18,307,508			14,385,286

Total assets	$	2,357,623,826		$	2,335,055,127		$	2,271,782,554		$	2,176,797,392		$	2,096,734,158		$	2,346,401,824		$	2,043,147,178

LIABILITIES
Total deposits	$	1,722,225,634		$	1,709,580,366		$	1,687,864,307		$	1,584,818,716		$	1,547,738,831		$	1,715,937,933		$	1,506,393,900
Accrued interest payable		4,305,048			3,873,319			3,678,457			3,312,458			3,129,282			4,090,376			3,077,639
Federal Home Loan Bank advances		208,078,853			199,122,844			205,771,676			158,242,407			148,344,127			203,625,589			147,751,919
Federal funds purchased and securities sold under repurchase agreements		83,251,628			82,413,785			80,364,169			153,386,148			126,594,813			82,835,021			118,596,695
Subordinated debt		51,547,000			51,547,000			51,547,000			51,547,000			51,547,000			51,547,000			50,443,500
Other liabilities		3,860,957			7,795,279			7,761,366			7,432,893			4,329,275			5,817,250			4,422,349

Total liabilities		2,073,269,120			2,054,332,593			2,036,986,975			1,958,739,621			1,881,683,328			2,063,853,169			1,830,686,002

SHAREHOLDERS’ EQUITY
Common stock-no par value per share		162,787,929			161,945,001			116,719,468			107,626,919			107,346,374			162,368,794			104,878,948
Retained earnings		133,235,732			128,537,617			126,192,533			120,402,848			114,838,884			130,899,654			113,363,335
Accumulated other comprehensive income		(2,879,366	)		(970,495	)		673,167			(1,182,407	)		1,655,161			(1,930,204	)		3,008,257
Treasury stock		(8,789,589	)		(8,789,589	)		(8,789,589	)		(8,789,589	)		(8,789,589	)		(8,789,589	)		(8,789,364	)

Total shareholders’ equity		284,354,706			280,722,534			234,795,579			218,057,771			215,050,830			282,548,655			212,461,176

Total liabilities and shareholders’ equity	$	2,357,623,826		$	2,335,055,127		$	2,271,782,554		$	2,176,797,392		$	2,096,734,158		$	2,346,401,824		$	2,043,147,178

MAIN STREET BANKS, INC.

CONSOLIDATED END OF PERIOD BALANCE SHEET

(Unaudited)


	Second Quarter 2005			First Quarter 2005			Fourth Quarter 2004			Third Quarter 2004			Second Quarter 2004
ASSETS
Cash and due from banks	$	35,632,553		$	37,016,874		$	35,090,563		$	55,719,486		$	42,090,671
Interest-bearing deposits in banks		125,141			144,243			317,953			1,058,235			1,078,334
Federal funds sold and securities purchased under agreements to resell		355,123			1,241,968			35,812,949			24,410,000			713,000
Investment securities available for sale		304,031,061			288,157,730			315,520,771			282,814,235			272,596,604
Investment securities held to maturity		13,110,149			11,510,170			11,715,948			11,835,353			11,998,436
Other investments		26,073,954			22,378,119			23,781,977			23,040,424			23,876,638
Mortgage loans held for sale		8,633,024			5,915,770			4,562,962			6,931,843			6,221,181
Loans, net of unearned income		1,763,780,879			1,743,589,208			1,699,035,573			1,653,615,534			1,594,290,721
Allowance for loan losses		(25,242,328	)		(24,983,997	)		(25,191,175	)		(24,256,034	)		(23,118,946	)

Loans, net		1,738,538,551			1,718,605,211			1,673,844,398			1,629,359,500			1,571,171,775

Premises and equipment, net		53,101,387			53,248,494			53,469,516			52,504,434			48,391,110
Other real estate		4,094,710			1,888,882			2,141,040			1,082,267			1,914,985
Accrued interest receivable		10,012,138			9,577,443			9,762,826			9,243,097			9,060,367
Goodwill and other intangible assets		102,234,740			102,294,796			102,169,572			103,392,163			103,514,753
Bank owned life insurance		58,271,098			57,586,480			42,056,525			41,528,162			41,006,405
Other assets		17,209,180			18,672,474			16,286,895			15,473,682			13,530,493

Total assets	$	2,371,422,809		$	2,328,238,654		$	2,326,533,895		$	2,258,392,881		$	2,147,164,752

LIABILITIES
Total deposits	$	1,677,850,141		$	1,746,438,371		$	1,710,209,913		$	1,630,286,409		$	1,566,290,310
Accrued interest payable		4,714,122			4,365,986			3,955,183			3,488,406			3,284,308
Federal Home Loan Bank advances		203,302,648			185,936,423			201,070,198			226,203,972			166,337,747
Federal funds purchased and securities sold under repurchase agreements		135,722,681			56,563,910			73,367,456			115,191,909			142,324,882
Subordinated debt		51,547,000			51,547,000			51,547,000			51,547,000			51,547,000
Other liabilities		10,803,254			2,897,625			8,300,069			9,353,208			5,413,930

Total liabilities		2,083,939,846			2,047,749,315			2,048,449,819			2,036,070,904			1,935,198,177

SHAREHOLDERS’ EQUITY
Common stock-no par value per share		163,109,671			162,418,990			159,520,536			108,197,312			107,446,736
Retained earnings		135,005,706			131,273,960			127,566,247			121,717,798			116,073,951
Accumulated other comprehensive income		(1,842,825	)		(4,414,022	)		(213,118	)		1,196,456			(2,764,523	)
Treasury stock		(8,789,589	)		(8,789,589	)		(8,789,589	)		(8,789,589	)		(8,789,589	)

Total shareholders’ equity		287,482,963			280,489,339			278,084,076			222,321,977			211,966,575

Total liabilities and shareholders’ equity	$	2,371,422,809		$	2,328,238,654		$	2,326,533,895		$	2,258,392,881		$	2,147,164,752

MAIN STREET BANKS, INC.

LOAN AND DEPOSIT STRATIFICATION - AVERAGE BALANCE

(Unaudited)


	Second Quarter 2005			First Quarter 2005			Fourth Quarter 2004			Third Quarter 2004			Second Quarter 2004
LOAN PORTFOLIO
Real estate:
Residential Mortgage	$	294,195,800		$	292,858,471		$	281,462,005		$	273,432,769		$	282,232,843
Construction		445,263,060			423,305,704			391,920,774			363,078,743			330,890,205
Commercial real estate		850,921,595			849,083,205			830,254,990			810,360,972			777,875,079
Commercial and Industrial		132,200,777			130,172,235			128,991,523			132,863,667			121,775,532
Consumer		40,522,214			38,727,904			41,144,935			43,192,305			40,504,974
Unearned income		(3,337,453	)		(3,058,779	)		(2,798,009	)		(2,492,063	)		(2,020,245	)

Total loans	$	1,759,765,993		$	1,731,088,740		$	1,670,976,218		$	1,620,436,393		$	1,551,258,388

Loan growth		1.7	%		3.6	%		3.1	%		4.5	%		2.6	%
Loan growth, annualized		6.6	%		14.6	%		12.4	%		17.7	%		10.6	%

DEPOSITS
Non-interest bearing demand	$	248,007,497		$	236,034,860		$	239,012,426		$	236,870,114		$	235,033,715
Interest bearing demand		108,260,094			100,286,778			101,438,793			101,844,880			104,994,476
Money Market		418,816,788			424,103,093			380,844,795			351,463,821			332,538,410
Savings		38,493,959			39,130,954			40,449,412			40,809,815			39,958,418

Total transaction accounts		813,578,338			799,555,685			761,745,426			730,988,630			712,525,019

Public funds - transaction		129,016,632			136,729,949			146,006,064			95,022,428			102,267,990

Total low cost core deposits		942,594,970			936,285,634			907,751,490			826,011,058			814,793,009

Time deposits - public funds		6,498,787			8,639,465			13,886,003			15,522,522			16,828,993
Time deposits		773,131,877			764,655,267			766,226,814			743,285,136			716,116,829

Total deposits	$	1,722,225,634		$	1,709,580,366		$	1,687,864,307		$	1,584,818,716		$	1,547,738,831

Deposit growth		0.7	%		1.3	%		6.5	%		2.4	%		1.1	%
Deposit growth, annualized		3.0	%		5.2	%		25.9	%		9.5	%		4.4	%

Percentage low cost core to total deposits		54.7	%		54.8	%		53.8	%		52.1	%		52.6	%
Percentage growth of low cost core deposits		0.7	%		3.1	%		9.9	%		1.4	%		2.5	%
Annualized growth of low cost core deposits		2.7	%		12.7	%		39.4	%		5.5	%		10.2	%

MAIN STREET BANKS, INC.

CONSOLIDATED STATEMENT OF INCOME

(Unaudited)


	Second Quarter 2005		First Quarter 2005		Fourth Quarter 2004		Third Quarter 2004		Second Quarter 2004		Six months ended June 30,
	Second Quarter 2005		First Quarter 2005		Fourth Quarter 2004		Third Quarter 2004		Second Quarter 2004		2005		2004
NET INTEREST INCOME
Loans, including fees	$	32,116,060	$	29,590,608	$	28,519,255	$	26,809,369	$	25,473,584	$	61,706,668	$	50,255,426
Interest on investment securities:
Taxable		2,748,206		2,761,476		2,518,397		2,428,436		2,362,075		5,509,682		4,609,113
Non-taxable		339,353		339,801		351,946		365,183		388,746		679,154		806,403
Federal funds sold and repurchase agreements		8,697		66,071		147,716		2,111		3,751		74,768		34,150
Interest bearing deposits in banks		12,168		12,052		7,495		6,545		3,724		24,220		8,947
Interest on other investments		236,682		189,875		122,662		240,218		238,518		426,557		444,180

Total interest income		35,461,166		32,959,883		31,667,471		29,851,862		28,470,398		68,421,049		56,158,219

INTEREST EXPENSE
Interest-bearing demand and money market		3,643,040		3,500,665		2,505,441		1,885,099		1,828,848		7,143,705		3,151,066
Savings		66,256		62,247		64,185		61,766		73,775		128,503		162,482
Time deposits		5,748,930		5,192,482		5,117,216		4,756,612		4,470,715		10,941,412		8,933,803
Other time deposits		39,661		43,928		65,963		64,442		64,462		83,589		120,275
Federal funds purchased		633,879		457,841		357,707		561,511		333,018		1,091,720		367,719
Federal Home Loan Bank advances		1,455,212		1,178,544		1,227,700		876,478		663,793		2,633,756		1,530,051
Interest expense on subordinated debentures		826,424		748,720		724,326		637,085		574,946		1,575,144		1,149,892
Other		67,280		164,883		174,220		175,900		241,599		232,163		597,291

Total interest expense		12,480,682		11,349,310		10,236,758		9,018,893		8,251,156		23,829,992		16,012,579

Net interest income		22,980,484		21,610,573		21,430,713		20,832,969		20,219,242		44,591,057		40,145,640
Provision for loan losses		4,050,000		2,208,555		2,956,380		1,602,500		1,310,000		6,258,555		2,871,000

Net interest income after provision for loan losses		18,930,484		19,402,018		18,474,333		19,230,469		18,909,242		38,332,502		37,274,640

NON-INTEREST INCOME
Service charges on deposit accounts		2,152,332		1,896,864		2,047,804		2,165,224		2,023,191		4,049,196		3,903,712
Other customer service fees		362,387		340,037		375,445		276,909		352,392		702,424		709,187
Mortgage banking revenue		680,997		692,322		721,363		809,807		859,631		1,373,319		1,742,759
Investment brokerage revenue		148,419		400,504		194,241		133,479		185,330		548,923		500,410
Insurance agency revenue		2,349,254		3,173,741		2,393,185		2,514,479		2,370,375		5,522,995		5,142,076
Income from SBA lending		1,538,549		829,381		946,164		1,270,397		367,859		2,367,930		853,777
Other income		514,464		593,431		863,542		651,387		1,259,930		1,107,895		2,406,685

Total non-interest income		7,746,402		7,926,280		7,541,744		7,821,682		7,418,708		15,672,682		15,258,606

NON-INTEREST EXPENSE
Salaries and other compensation		8,578,707		7,932,171		8,208,721		7,999,790		7,688,444		16,510,878		15,729,643
Employee benefits		1,298,090		1,620,366		1,195,115		1,170,201		1,519,972		2,918,456		3,160,235
Net occupancy and equipment expense		2,114,375		2,051,501		2,079,450		2,090,931		2,208,378		4,165,876		4,068,073
Data processing fees		495,055		510,076		554,645		325,617		223,450		1,005,131		780,751
Professional services		828,967		468,973		506,351		715,789		583,177		1,297,940		1,021,572
Communications and supplies		987,939		962,022		893,426		1,027,203		1,027,631		1,949,961		2,078,519
Amortization of intangible assets		130,764		128,750		122,591		122,591		121,758		259,514		262,402
Other expense		2,851,616		1,829,308		1,850,106		2,042,088		2,761,271		4,680,924		4,611,921

Total non-interest expense		17,285,513		15,503,167		15,410,405		15,494,210		16,134,081		32,788,680		31,713,116

Income before income taxes		9,391,373		11,825,131		10,605,672		11,557,941		10,193,869		21,216,504		20,820,130
Income tax expense		3,585,379		3,642,140		2,907,090		3,294,026		2,802,851		7,227,519		5,832,367

Net income	$	5,805,994	$	8,182,991	$	7,698,582	$	8,263,915	$	7,391,018	$	13,988,985	$	14,987,763

EARNINGS PER SHARE
Basic	$	0.27	$	0.38	$	0.39	$	0.43	$	0.38	$	0.66	$	0.78
Diluted	$	0.27	$	0.38	$	0.38	$	0.41	$	0.37	$	0.64	$	0.75

WEIGHTED AVERAGE SHARES OUTSTANDING
Basic		21,375,087		21,277,737		19,756,947		19,428,145		19,351,343		21,326,681		19,316,112
Diluted		21,899,426		21,818,118		20,372,205		20,015,560		19,974,058		21,788,863		19,948,822

CASH DIVIDENDS PER SHARE	$	0.1525	$	0.1525	$	0.1350	$	0.1350	$	0.1350	$	0.3050	$	0.2700

MAIN STREET BANKS, INC.

SUMMARY OF INTEREST RATES (TAX-EQUIVALENT)

(Unaudited)


	Second Quarter 2005			First Quarter 2005			Fourth Quarter 2004			Third Quarter 2004			Second Quarter 2004			Six months ended June 30,
	Second Quarter 2005			First Quarter 2005			Fourth Quarter 2004			Third Quarter 2004			Second Quarter 2004			2005			2004
EARNING ASSETS
Total interest earning assets (in thousands)	$	2,101,703		$	2,092,064		$	2,030,527		$	1,940,675		$	1,864,339		$	2,096,136		$	1,817,360

Loans		7.30	%		6.84	%		6.77	%		6.56	%		6.58	%		7.11	%		6.67	%
Investment securities		4.23	%		4.15	%		4.13	%		4.11	%		4.20	%		4.21	%		3.97	%
Federal funds sold		2.70	%		2.03	%		1.63	%		1.18	%		1.12	%		2.34	%		0.89	%
Loans held for sale		6.08	%		5.87	%		4.65	%		4.93	%		4.57	%		6.01	%		4.86	%
FHLB stock & other		3.87	%		3.60	%		2.33	%		3.96	%		4.43	%		3.53	%		4.32	%

Total interest earning assets		6.80	%		6.36	%		6.20	%		6.12	%		6.14	%		6.62	%		6.21	%

INTEREST-BEARING LIABILITIES
Total interest-bearing liabilities (in thousands)	$	2,065,982		$	2,042,664		$	2,025,547		$	1,947,994		$	1,874,225		$	2,054,387		$	1,823,186

Demand deposits		1.51	%		1.61	%		1.26	%		0.92	%		0.92	%		1.57	%		0.83	%
Demand deposits - public funds		1.99	%		1.02	%		0.43	%		0.61	%		1.05	%		1.50	%		1.07	%
Time deposits		2.98	%		2.72	%		2.72	%		2.59	%		2.49	%		2.86	%		2.50	%
Retail repurchases		1.71	%		1.58	%		1.62	%		1.62	%		1.69	%		1.65	%		1.70	%
Federal funds purchased		3.44	%		2.76	%		2.28	%		1.68	%		1.37	%		3.20	%		1.26	%
Federal Home Loan bank advances		2.81	%		2.37	%		2.37	%		2.20	%		1.80	%		2.61	%		1.80	%
Securities sold under agreement to repurchase		4.89	%		4.62	%		4.53	%		4.53	%		4.57	%		4.71	%		4.30	%
Subordinated debentures		6.43	%		5.83	%		5.59	%		4.92	%		4.49	%		6.16	%		4.58	%

Net Cost of Funds		2.42	%		2.23	%		2.01	%		1.84	%		1.77	%		2.34	%		1.77	%

NET INTEREST SPREAD
Interest earning assets less interest-bearing liabilities (in thousands)	$	35,721		$	49,400		$	4,980		$	(7,319	)	$	(9,885	)	$	41,749		$	(5,826	)

Yield on earning assets less cost of interest-bearing liabilities and non-interest bearing liabilities		4.38	%		4.13	%		4.19	%		4.28	%		4.37	%		4.28	%		4.45	%

NET INTEREST MARGIN
Net interest income (tax equivalent) as a percentage of average earning assets		4.42	%		4.18	%		4.23	%		4.31	%		4.41	%		4.32	%		4.50	%

MAIN STREET BANKS, INC.

LOAN QUALITY

(Unaudited)


	Second Quarter 2005			First Quarter 2005			Fourth Quarter 2004			Third Quarter 2004			Second Quarter 2004			Six months ended June 30,
	Second Quarter 2005			First Quarter 2005			Fourth Quarter 2004			Third Quarter 2004			Second Quarter 2004			2005			2004
RESERVE FOR POSSIBLE LOAN LOSSES
Reserve for loan losses at beginning of period	$	24,983,997		$	25,191,175		$	24,256,034		$	23,118,946		$	22,150,651		$	25,191,175		$	21,151,987
Reserves acquired through acquisition		—			—			—			—			—			—			—
Provision for loan losses		4,050,000			2,208,555			2,956,380			1,602,500			1,310,000			6,258,555			2,871,000
Loans charged-off during the period		(4,188,669	)		(3,553,825	)		(2,289,524	)		(1,103,582	)		(657,213	)		(7,742,494	)		(1,307,351	)
Recoveries on loans previously charged-off		397,000			1,138,092			268,285			638,170			315,508			1,535,092			403,310

Net loans (charged-off) recovered during period		(3,791,669	)		(2,415,733	)		(2,021,239	)		(465,412	)		(341,705	)		(6,207,402	)		(904,041	)

Reserve for loan losses at end of period	$	25,242,328		$	24,983,997		$	25,191,175		$	24,256,034		$	23,118,946		$	25,242,328		$	23,118,946

Net charge-offs to average loans, annualized		0.86	%		0.56	%		0.48	%		0.11	%		0.09	%		0.71	%		0.12	%

Gross charge-offs to average loans, annualized		0.95	%		0.82	%		0.55	%		0.27	%		0.17	%		0.89	%		0.17	%

Recoveries as a percentage of gross charge-offs		9.48	%		32.02	%		11.72	%		57.83	%		48.01	%		19.83	%		30.85	%

Reserve for loan losses as a percentage of loans, at end of period		1.43	%		1.43	%		1.48	%		1.47	%		1.45	%		1.43	%		1.45	%

NON-PERFORMING ASSETS
Loans accounted for on a non-accrual basis	$	11,543,140		$	19,036,696		$	12,254,820		$	4,712,752		$	5,179,265		$	11,543,140		$	5,179,265
Restructured loans		—			—			—			—			—			—			—

Total non-performing loans		11,543,140			19,036,696			12,254,820			4,712,752			5,179,265			11,543,140			5,179,265
Foreclosed assets		4,094,710			2,006,494			2,165,914			1,132,377			3,730,693			4,094,710			3,730,693

Total non-performing assets	$	15,637,850		$	21,043,190		$	14,420,734		$	5,845,129		$	8,909,958		$	15,637,850		$	8,909,958

Non-performing assets as a percentage of loans plus foreclosed assets, at end of period		0.88	%		1.21	%		0.85	%		0.35	%		0.56	%		0.88	%		0.56	%

Non-performing assets as a percentage of total assets, at end of period		0.66	%		0.90	%		0.62	%		0.26	%		0.41	%		0.66	%		0.41	%

Reserve for loan losses as a percentage of non-performing assets, at end of period		161.42	%		118.73	%		174.69	%		414.98	%		259.47	%		161.42	%		259.47	%

Loans 90 days past due and still accruing	$	2,367,863		$	4,222,658		$	5,657,986		$	2,062,584		$	3,628,399		$	2,367,863		$	3,628,399

Loans 90 days past due and still accruing as a percentage of loans, at end of period		0.13	%		0.24	%		0.33	%		0.12	%		0.23	%		0.13	%		0.23	%

MAIN STREET BANKS INC /NEW/ 8-K