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First Colonial Bankshares Corp., a Chicago-based bank holding company, posted record second-quarter net income of $2.35 million, or 27 cents a share, up 48 percent from $1.59 million, or 21 cents a share on fewer shares outstanding, in the year-earlier period. For the first six months, net income climbed 47 percent, to $4.71 million, or 55 cents ahsare, from $3.2 million, or 44 cents a share a year earlier.