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        <ManagementAndGeneralAmt>4200</ManagementAndGeneralAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>18447</TotalAmt>
        <ProgramServicesAmt>6695</ProgramServicesAmt>
        <ManagementAndGeneralAmt>11752</ManagementAndGeneralAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>6305</TotalAmt>
        <ManagementAndGeneralAmt>6305</ManagementAndGeneralAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
        <TotalAmt>21371</TotalAmt>
        <ProgramServicesAmt>12823</ProgramServicesAmt>
        <ManagementAndGeneralAmt>8548</ManagementAndGeneralAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>15716</TotalAmt>
        <ProgramServicesAmt>12573</ProgramServicesAmt>
        <ManagementAndGeneralAmt>3143</ManagementAndGeneralAmt>
      </TravelGrp>
      <ConferencesMeetingsGrp>
        <TotalAmt>222292</TotalAmt>
        <ProgramServicesAmt>222292</ProgramServicesAmt>
      </ConferencesMeetingsGrp>
      <InterestGrp>
        <TotalAmt>25647</TotalAmt>
        <ManagementAndGeneralAmt>25647</ManagementAndGeneralAmt>
      </InterestGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>7798</TotalAmt>
        <ManagementAndGeneralAmt>7798</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>5796</TotalAmt>
        <ManagementAndGeneralAmt>5796</ManagementAndGeneralAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>Subscriptions</Desc>
        <TotalAmt>4278</TotalAmt>
        <ProgramServicesAmt>4278</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Telephone</Desc>
        <TotalAmt>11676</TotalAmt>
        <ProgramServicesAmt>4670</ProgramServicesAmt>
        <ManagementAndGeneralAmt>7006</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Printing</Desc>
        <TotalAmt>3497</TotalAmt>
        <ManagementAndGeneralAmt>3497</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Advertistment</Desc>
        <TotalAmt>4200</TotalAmt>
        <ManagementAndGeneralAmt>4200</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>29744</TotalAmt>
        <ProgramServicesAmt>1528</ProgramServicesAmt>
        <ManagementAndGeneralAmt>28216</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>646797</TotalAmt>
        <ProgramServicesAmt>462793</ProgramServicesAmt>
        <ManagementAndGeneralAmt>184004</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>8131</BOYAmt>
        <EOYAmt>62866</EOYAmt>
      </CashNonInterestBearingGrp>
      <AccountsReceivableGrp>
        <EOYAmt>57406</EOYAmt>
      </AccountsReceivableGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <EOYAmt>2030</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>362710</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>155881</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>214627</BOYAmt>
        <EOYAmt>206829</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <TotalAssetsGrp>
        <BOYAmt>222758</BOYAmt>
        <EOYAmt>329131</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>26310</BOYAmt>
        <EOYAmt>11348</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <DeferredRevenueGrp>
        <EOYAmt>141722</EOYAmt>
      </DeferredRevenueGrp>
      <EscrowAccountLiabilityGrp>
        <EOYAmt>1200</EOYAmt>
      </EscrowAccountLiabilityGrp>
      <MortgNotesPyblScrdInvstPropGrp>
        <BOYAmt>406238</BOYAmt>
        <EOYAmt>390599</EOYAmt>
      </MortgNotesPyblScrdInvstPropGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>432548</BOYAmt>
        <EOYAmt>544869</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsSFAS117Ind>X</OrganizationFollowsSFAS117Ind>
      <UnrestrictedNetAssetsGrp>
        <BOYAmt>-209790</BOYAmt>
        <EOYAmt>-215738</EOYAmt>
      </UnrestrictedNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>-209790</BOYAmt>
        <EOYAmt>-215738</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>222758</BOYAmt>
        <EOYAmt>329131</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>-5948</ReconcilationRevenueExpnssAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleC documentId="000000000000000000000000000002">
      <TotalExemptFunctionExpendAmt>0</TotalExemptFunctionExpendAmt>
      <TotalLobbyingExpendGrp>
        <FilingOrganizationsTotalAmt>0</FilingOrganizationsTotalAmt>
        <AffiliatedGroupTotalAmt>0</AffiliatedGroupTotalAmt>
      </TotalLobbyingExpendGrp>
      <TotalExemptPurposeExpendGrp>
        <FilingOrganizationsTotalAmt>0</FilingOrganizationsTotalAmt>
        <AffiliatedGroupTotalAmt>0</AffiliatedGroupTotalAmt>
      </TotalExemptPurposeExpendGrp>
      <LobbyingNontaxableAmountGrp>
        <AffiliatedGroupTotalAmt>0</AffiliatedGroupTotalAmt>
      </LobbyingNontaxableAmountGrp>
      <GrassrootsNontaxableGrp>
        <FilingOrganizationsTotalAmt>0</FilingOrganizationsTotalAmt>
        <AffiliatedGroupTotalAmt>0</AffiliatedGroupTotalAmt>
      </GrassrootsNontaxableGrp>
      <TotLbbyngGrassrootMnsNonTxGrp>
        <FilingOrganizationsTotalAmt>0</FilingOrganizationsTotalAmt>
        <AffiliatedGroupTotalAmt>0</AffiliatedGroupTotalAmt>
      </TotLbbyngGrassrootMnsNonTxGrp>
      <TotLbbyExpendMnsLbbyngNonTxGrp>
        <FilingOrganizationsTotalAmt>0</FilingOrganizationsTotalAmt>
        <AffiliatedGroupTotalAmt>0</AffiliatedGroupTotalAmt>
      </TotLbbyExpendMnsLbbyngNonTxGrp>
      <AvgLobbyingNontaxableAmountGrp>
        <CurrentYearAmt>0</CurrentYearAmt>
        <TotalAmt>0</TotalAmt>
      </AvgLobbyingNontaxableAmountGrp>
      <LobbyingCeilingAmt>0</LobbyingCeilingAmt>
      <AvgTotalLobbyingExpendGrp>
        <CurrentYearAmt>0</CurrentYearAmt>
        <TotalAmt>0</TotalAmt>
      </AvgTotalLobbyingExpendGrp>
      <AvgGrassrootsNontaxableGrp>
        <CurrentYearAmt>0</CurrentYearAmt>
        <TotalAmt>0</TotalAmt>
      </AvgGrassrootsNontaxableGrp>
      <GrassrootsCeilingAmt>0</GrassrootsCeilingAmt>
      <AvgGrassrootsLobbyingExpendGrp>
        <CurrentYearAmt>0</CurrentYearAmt>
        <TotalAmt>0</TotalAmt>
      </AvgGrassrootsLobbyingExpendGrp>
      <TotalLobbyingExpendituresAmt>0</TotalLobbyingExpendituresAmt>
      <SubstantiallyAllDuesNondedInd>true</SubstantiallyAllDuesNondedInd>
      <OnlyInHouseLobbyingInd>false</OnlyInHouseLobbyingInd>
      <AgreeCarryoverPriorYearInd>false</AgreeCarryoverPriorYearInd>
      <NonDeductibleLbbyngPltclTotAmt>0</NonDeductibleLbbyngPltclTotAmt>
    </IRS990ScheduleC>
    <IRS990ScheduleD documentId="000000000000000000000000000003">
      <EndingBalanceAmt>0</EndingBalanceAmt>
      <CYEndwmtFundGrp>
        <EndYearBalanceAmt>0</EndYearBalanceAmt>
      </CYEndwmtFundGrp>
      <CYMinus1YrEndwmtFundGrp>
        <EndYearBalanceAmt>0</EndYearBalanceAmt>
      </CYMinus1YrEndwmtFundGrp>
      <CYMinus2YrEndwmtFundGrp>
        <EndYearBalanceAmt>0</EndYearBalanceAmt>
      </CYMinus2YrEndwmtFundGrp>
      <CYMinus3YrEndwmtFundGrp>
        <EndYearBalanceAmt>0</EndYearBalanceAmt>
      </CYMinus3YrEndwmtFundGrp>
      <CYMinus4YrEndwmtFundGrp>
        <EndYearBalanceAmt>0</EndYearBalanceAmt>
      </CYMinus4YrEndwmtFundGrp>
      <LandGrp>
        <OtherCostOrOtherBasisAmt>99000</OtherCostOrOtherBasisAmt>
        <BookValueAmt>99000</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>250393</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>143402</DepreciationAmt>
        <BookValueAmt>106991</BookValueAmt>
      </BuildingsGrp>
      <LeaseholdImprovementsGrp>
        <BookValueAmt>0</BookValueAmt>
      </LeaseholdImprovementsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>13317</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>12479</DepreciationAmt>
        <BookValueAmt>838</BookValueAmt>
      </EquipmentGrp>
      <OtherLandBuildingsGrp>
        <BookValueAmt>0</BookValueAmt>
      </OtherLandBuildingsGrp>
      <TotalBookValueLandBuildingsAmt>206829</TotalBookValueLandBuildingsAmt>
      <TotalBookValueSecuritiesAmt>0</TotalBookValueSecuritiesAmt>
      <TotalBookValueProgramRltdAmt>0</TotalBookValueProgramRltdAmt>
      <TotalBookValueOtherAssetsAmt>0</TotalBookValueOtherAssetsAmt>
      <TotalLiabilityAmt>0</TotalLiabilityAmt>
      <RevenueNotReportedAmt>0</RevenueNotReportedAmt>
      <RevenueSubtotalAmt>0</RevenueSubtotalAmt>
      <RevenueNotReportedFinclStmtAmt>0</RevenueNotReportedFinclStmtAmt>
      <TotalRevenuePerForm990Amt>0</TotalRevenuePerForm990Amt>
      <ExpensesNotReportedAmt>0</ExpensesNotReportedAmt>
      <ExpensesSubtotalAmt>0</ExpensesSubtotalAmt>
      <ExpensesNotRptFinclStmtAmt>0</ExpensesNotRptFinclStmtAmt>
      <TotalExpensesPerForm990Amt>0</TotalExpensesPerForm990Amt>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="000000000000000000000000000004">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 Part VI Section C Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>NATIONAL BANKERS ASSOCIATION MAKES ITS GOVERNING DOCUMENTS CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 Part VI Section B Line 15</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PRESIDENT AND OTHER SENOR OFFICERS SALARIES ARE REVIEWED BY THE BOARD EXECUTIVE COMMITTEE AND APPROVED BY THE FULL BOARD OF DIRECTORS</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 Part VI Section B Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>THE EXECUTIVE MEMBERS OF THE BOARD THE EMPLOYEE RELATIONS COMMITTEE OF THE BOARD AND THE PRESIDENT DISCUSS ON A REGULAR AND CONSISTENT BASIS INTEREST THAT COULD GIVE RISE TO CONFLICT AS DESCRIBED IN THE POLICY</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 Part VI Section B Line 11</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990 IS PREPARED BY A TAX PREPARER AND REVIEWED BY THE PRESIDENT AND CFO UPON APPROVAL OF THE FINAL DRAFT THE PREPARER IS AUTHORIZED TO FILE THE FORM 990 ELECTRONICALLY AND FORWARDS COPIES FOR NBA FILE AND PUBLIC DISCLOSURE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 Part 1 Line 1</FormAndLineReferenceDesc>
        <ExplanationTxt>TO MEET NEEDS OF THE MEMBERSHIP ESPECIALLY MINORITY FINANCIAL INSTITUTION</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>