Total loans on December 31 2008 were 171

Secondly The Dolphins played the worst 30-second defense in NFL history. I guess you can throw “Chad Pennington throws a pass of 10 yards” in the achievement pile too. 25. Tampa Bay BuccaneersLast Week: 23Looking at the stat lines, the Bucs have given up almost 1,000 yards in total offense already this season. Somewhere, Monte Kiffin and Derrick Brooks are laughing about this And John Gruden is grimacing at a potted plant. 26. Washington RedskinsLast Week: 25The Redskins have a relatively easy schedule coming up, but I’m pretty leery about calling their next two games gimmies. They’re playing so poorly right now, that I actually believe that Washington might be the team that breaks Detroit’s streak. 27. Jacksonville JaguarsLast Week: 27The Jaguars lost starting wide receiver Troy Williamson for the rest of the year on Sunday I don’t really have a whole lot more to say to that.

I just wanted to give Vikings fans a chance to gasp at the words “starting wide receiver Troy Williamson.” 28. Carolina PanthersLast Week: 28Even when Jake Delhomme doesn’t look bad, he looks bad. The rest of the Panthers didn’t really help him, but the loss falls on Jake for not coming through at the end of the game. There isn’t a team in the league that looks like it needs the bye week more And it’s only Week Three. 29. Kansas City ChiefsLast Week: 29Todd Haley is quickly becoming my favorite head coach. Not because I think he’s a great coach, or because I’m a huge Chiefs fan, but because every time the camera rolls anywhere near him, he launches into a swearing tirade that would make Bobby Knight cry No wonder Matt Leinart never learned anything. 30.

Cleveland BrownsLast Week: 30Well, whatever the Browns thought they learned from their game against the Vikings, it’s pretty clear that they forgot it in a hurry. Detroit LionsLast Week: 32The Lions having a successful first half against an opponent, who then dominates them in the second Say it ain’t so! Yeah, pretty much the same old Lions this week, but you can almost see the pieces falling into place there In two or three years, they might be dangerous Or they might still be the Detroit Lions Who knows 32 St. Louis RamsLast Week: 31Maybe it’s a bit controversial, but I haven’t seen a single thing I like about the Rams this year, which is even less than I can say about a team that’s lost 19 straight games. There honestly isn’t a single game I think the Rams can win this year Except maybe for the most epic showdown in NFL History Week Eight Nov 1st Rams/Lions I hope I get that game in my market..

Weststar Financial Services Corporation Reports Record Breaking $200 Millionin Assets and Solid Fourth Quarter EarningsASHEVILLE, N.C., Jan. 30 /PRNewswire-FirstCall/ Weststar FinancialServices Corporation (OTC Bulletin Board: WFSC) reported record consolidatedassets of $202.9 million on December 31, 2008 - a 16 increase over December31, 2007.Total loans on December 31, 2008 were $171.2 million - an increaseof 26 from the level reported a year earlier.Deposits reflected 15 growthto $170.8 million at December 31, 2008 compared to the prior year, andshareholders' equity increased 9 from December 31, 2007 to $16.5 million atDecember 31, 2008.Consolidated net income totaled $281 thousand for the three months endedDecember 31, 2008 compared to $488 thousand for the comparable period in 2007- a decrease of 42.On a diluted per share basis, earnings for the three-month periods of 2008 and 2007 were $.12 vs. $.21 - a decrease of 43.Forthe twelve-month periods ended December 31, 2008, net income totaled $1,301thousand compared to $2,046 thousand for the comparable period in 2007 - adecrease of 36.On a diluted per share basis, earnings for the twelve-monthperiods ended December 31, 2008 and 2007, respectively, were $.57 and $.89 - adecrease of 36.The decrease in earnings was primarily attributable to acompression in the Company's net interest margin following Federal Open MarketCommittee interest rate cut initiatives, increased operating expenses tosupport overall growth in loans and deposits, and an increased provision forloan losses to support loan growth.Asset quality remained strong withnonperforming loans to total assets of .13 and .11 at December 31, 2008 and2007, respectively.Return on assets was .57 compared to 1.13, and return on equity was6.94 compared to 13.01 for the three-month periods ended December 31, 2008and 2007, respectively.For the twelve-month periods ended December 31, 2008and 2007, respectively, return on assets was .71 compared to 1.24, andreturn on equity was 8.20 compared to 14.62."2008 was a year ruled by negative economic indicators and widespreadfear.Despite the turmoil and uncertainty in the financial markets, thefundamentals and overall safety and soundness of our bank remain strong.Throughout this economic downturn, we have continued to make loans to assistour commercial and retail customers with the same sound and cautious policiesthat have served us well for over a decade, and have continued to earn us a5-Star Rating from BauerFinancial, Inc.," stated G. Gordon Greenwood,President & Chief Executive Officer.Weststar Financial Services Corporation is the parent company of The Bankof Asheville.Weststar Financial Services Corporation owns 100 interest inWeststar Financial Services Corporation I, a statutory trust.The Bankoperates five full-service banking offices in Buncombe County, North Carolina- Downtown Asheville, Candler, Leicester, South Asheville and Reynolds.This news release contains forward-looking statements.Such statementsare subject to certain factors that may cause the company's results to varyfrom those expected.These factors include changing economic and financialmarket conditions, competition, ability to execute our business plan, itemsalready mentioned in this press release, and other factors described in ourfilings with the Securities and Exchange Commission.Readers are cautionednot to place undue reliance on these forward-looking statements, which reflectmanagement's judgment only as of the date hereof.The company undertakes noobligation to publicly revise these forward-looking statements to reflectevents and circumstances that arise after the date hereof.Weststar Financial Services Corporation & SubsidiarySelected Financial DataThree Months EndedDecember 31, 20082007 changeConsolidated earning summary:Interest income$3,171,825$3,285,876 -3.5Interest expense1,270,829 1,355,650 -6.3Net interest income 1,900,996 1,930,226 -1.5Provision for loan losses 202,525 181,755 11.4Net interest income after provision for loan losses1,698,471 1,748,471 -2.9Other income407,609 397,4992.5Other expenses1,620,863 1,411,526 14.8Income before taxes 485,217 734,444-33.9Income taxes203,529 245,969-17.3Net income $281,688$488,475-42.3Earnings per share - Basic$0.13 $0.23-43.5Earnings per share - Diluted 0.120.21-42.9Average Shares - Basic2,124,622 2,117,9730.3Average Shares - Diluted2,253,846 2,283,290 -1.3Consolidated balance sheet data:Total AssetsTotal DepositsLoans (gross)InvestmentsShareholders' EquityConsolidated average balance sheet data:Total Assets $197,854,734$171,465,008 15.4Total Deposits170,545,425 146,633,893 16.3Loans (gross) 165,675,893 133,456,205 24.1Investments23,695,79326,579,297-10.9Shareholders' Equity 16,149,30514,893,1328.4Consolidated performance ratios:Return on average assets 0.57 1.13Return on average equity 6.9413.01Capital to Assets 8.16 8.69Consolidated asset quality data and ratios:Nonaccruing loansAccruing loans 90 days past dueNonperforming loansForeclosed propertiesNonperforming assetsAllowance for loan lossesLoans charged offRecoveries of loans charged offNet loan charge-offsNet charge-offs to average loansNonperforming loans to total assetsAllowance coverage of nonperforming loansAllowance for loan losses to gross loansAnnualized based on number of days in the period.Weststar Financial Services Corporation & SubsidiarySelected Financial Data Twelve Months Ended December 31,20082007 changeConsolidated earning summary:Interest income$12,227,824 $12,901,434-5.2Interest expense 4,984,250 5,295,506-5.9Net interest income7,243,574 7,605,928-4.8Provision for loan losses711,285 406,72574.9Net interest income after provision for loan losses 6,532,289 7,199,203-9.3Other income 1,624,110 1,528,766 6.2Other expenses 6,132,224 5,553,23610.4Income before taxes2,024,175 3,174,733 -36.2Income taxes 722,863 1,128,727 -36.0Net income$1,301,312$2,046,006 -36.4Earnings per share - Basic $0.61 $0.97 -37.1Earnings per share - Diluted0.570.89 -36.0Average Shares - Basic 2,121,308 2,111,612 0.5Average Shares - Diluted 2,271,977 2,286,662-0.6Consolidated balance sheet data:Total Assets$202,858,972$174,257,99816.4Total Deposits 170,814,106 149,191,01614.5Loans (gross)171,239,692 135,734,22426.2Investments 23,778,44926,113,294-8.9Shareholders' Equity16,510,57115,179,239 8.8Consolidated average balance sheet data:Total Assets$184,321,441$165,663,52711.3Total Deposits 157,913,218 141,059,69612.0Loans (gross)149,214,736 127,403,49217.1Investments 25,151,96826,519,393-5.2Shareholders' Equity15,860,59613,997,10413.3Consolidated performance ratios:Return on average assets0.71 1.24Return on average equity8.2014.62Capital to Assets8.60 8.45Consolidated asset quality data and ratios:Nonaccruing loans $268,053$195,68337.0Accruing loans 90 days past due- Nonperforming loans268,053 195,68337.0Foreclosed properties205,00687,787 133.5Nonperforming assets 473,059 283,47066.9Allowance for loan losses2,529,981 2,090,12521.0Loans charged off319,933 256,74124.6Recoveries of loans charged off 48,50456,061 -13.5Net loan charge-offs 271,429 200,68035.3Net charge-offs to average loans0.18 0.1612.5Nonperforming loans to total assets0.13 0.1118.2Allowance coverage of nonperforming loans943.841068.12 -11.6Allowance for loan losses to gross loans 1.48 1.54-3.9Annualized based on number of days in the period.Weststar Financial Services Corporation & SubsidiarySupplemental Quarterly Financial Data Quarters Ended Dec 31,Sept 30, Jun 30,200820082008Consolidated earning summary:Interest income$3,171,825$3,080,208$2,895,378Interest expense1,270,829 1,180,997 1,185,292Net interest income 1,900,996 1,899,211 1,710,086Provision for loan losses 202,525 320,635 150,680Net interest income after provision for loan losses1,698,471 1,578,576 1,559,406Other income407,609 425,618 415,849Other expenses1,620,863 1,478,381 1,563,388Income before taxes 485,217 525,813 411,867Income taxes203,529 176,809 129,384Net income $281,688$349,004$282,483Earnings per share - Basic$0.13 $0.16 $0.13Earnings per share - Diluted 0.120.150.12Average Shares - Basic2,124,622 2,122,147 2,119,461Average Shares - Diluted2,253,846 2,273,388 2,279,884Consolidated balance sheet data:Total Assets $202,858,972$193,073,062$182,923,687Total Deposits170,814,106 166,519,486 155,212,188Loans (gross) 171,239,692 157,724,566 148,338,170Investments23,778,44923,681,29425,076,449Shareholders' Equity 16,510,57115,783,14815,782,299Consolidated average balance sheet data:Total Assets $197,854,734$185,946,806$178,016,532Total Deposits170,545,425 159,510,362 151,838,703Loans (gross) 165,675,893 152,497,479 141,392,197Investments23,695,79324,553,28426,011,589Shareholders' Equity 16,149,30515,892,53915,920,103Consolidated performance ratios:Return on average assets 0.57 0.75 0.64Return on average equity 6.94 8.74 7.14Capital to Assets 8.16 8.55 8.94Consolidated asset quality data and ratios:Nonaccruing loans$268,053 $82,693$187,157Accruing loans 90 days past due - - - Nonperforming loans268,05382,693 187,157Foreclosed properties 205,006 227,40751,006 Nonperforming assets 473,059 310,100 238,163Allowance for loan losses 2,529,981 2,355,244 2,252,385Loans charged off36,759 236,36216,910Recoveries of loans charged off 8,97118,587 7,956Net loan charge-offs 27,788 217,775 8,954Net charge-offs to average loans 0.07 0.57 0.03Nonperforming loans to total assets 0.13 0.04 0.10Allowance coverage of nonperforming loans943.842848.181203.47Allowance for loan losses to gross loans1.48 1.49 1.52 Annualized based on number of days in the period.Weststar Financial Services Corporation & SubsidiarySupplemental Quarterly Financial Data Quarters EndedMar 31, Dec 31, 20082007Consolidated earning summary:Interest income $3,080,413$3,285,876Interest expense 1,347,132 1,355,650Net interest income1,733,281 1,930,226Provision for loan losses 37,445 181,755Net interest income after provision for loan losses 1,695,836 1,748,471Other income 375,034 397,499Other expenses 1,469,592 1,411,526Income before taxes601,278 734,444Income taxes 213,141 245,969Net income$388,137$488,475Earnings per share - Basic $0.18 $0.23Earnings per share - Diluted0.170.21Average Shares - Basic 2,118,956 2,117,973Average Shares - Diluted 2,279,551 2,283,290Consolidated balance sheet data:Total Assets$180,968,119$174,257,998Total Deposits 155,155,491 149,191,016Loans (gross)137,192,577 135,734,224Investments 26,494,46426,113,294Shareholders' Equity15,793,51915,179,239Consolidated average balance sheet data:Total Assets$175,340,851$171,465,008Total Deposits 149,617,026 146,633,893Loans (gross)137,076,409 133,456,205Investments 26,369,78526,579,297Shareholders' Equity15,476,30714,893,132Consolidated performance ratios:Return on average assets0.89 1.13Return on average equity 10.0913.01Capital to Assets8.83 8.69Consolidated asset quality data and ratios:Nonaccruing loans $189,126$195,683Accruing loans 90 days past due- - Nonperforming loans 189,126 195,683Foreclosed properties 87,78787,787 Nonperforming assets276,913 283,470Allowance for loan losses2,110,658 2,090,125Loans charged off 29,90289,549Recoveries of loans charged off 12,99029,464Net loan charge-offs16,91260,085Net charge-offs to average loans0.05 0.18Nonperforming loans to total assets0.10 0.11Allowance coverage of nonperforming loans 1116.011068.12Allowance for loan losses to gross loans 1.54 1.54 Annualized based on number of days in the period.SOURCEWeststar Financial Services CorporationRandall C.