CERTIFICATES OF DEPOSIT	MINIMUM DEPOSIT TO OPEN ACCOUNT
32-89 DAY CD	$20,000.00
3 MONTH CD	$20,000.00
6 MONTH CD	$ 1,000.00
6 MONTH CD	$20,000.00
7 MONTH CD	$20,000.00
1 YEAR CD	$ 1,000.00
1 YEAR CD	$20,000.00
14 MONTH CD	$20,000.00
2 YEAR CD	$ 1,000.00
2 YEAR CD	$20,000.00
3 YEAR CD	$ 1,000.00
3 YEAR CD	$20,000.00
4 YEAR CD	$ 1,000.00
4 YEAR CD	$20,000.00
5 YEAR CD	$ 1,000.00
5 YEAR CD	$20,000.00
2 YEAR STEP UP CD	$20,000.00
3 YEAR STEP UP CD	$20,000.00
4 YEAR STEP UP CD	$20,000.00
5 YEAR STEP UP CD	$20,000.00
PRIME CD (31/2 OR 5 YR)	$25,000.00

IRA ACCOUNTS ($1,000.00 Minimum to Open)

FIXED

1 YEAR

2 YEARS

3 YEARS

4 YEARS

5 YEARS

VARIABLE

3 YEARS

Individual Retirement Accounts

Maintenance Charge (Annually)
$5.00

Transfer Fee
$5.00

Close Out Fee
$25.00