Clover Leaf Financial Corp. is the holding company for Clover Leaf Bank (the Bank), which converted its charter from an Illinois-chartered savings bank to an Illinois-chartered commercial bank in December 2002. Clover Leaf Banks lending and deposit-gathering area is concentrated in the neighborhoods surrounding its two offices in Edwardsville, Illinois, which is located in Madison County. The Banks loan portfolio consists primarily of one- to four-family residential real estate loans. In addition to one- to four-family residential real estate loans, its loan portfolio consists of commercial and consumer loans, and, to a lesser extent, construction and overdraft loans. The total amount of loans due after December 31, 2003, which have predetermined interest rates, is $41 million, while the total amount of loans due after such date, which have floating or adjustable-interest rates, is $11 million.