Interest

Regular Shares Balances:
Annual Dividend*
APY*
 $25 -$2,999
 $3,000 -$14,999
 $15,000 - $49,999
 $50,000 or more
  .95%
1.05%
1.20%
1.30%
  .95%
1.05%
1.21%
1.31%
Checking Accounts:
 Over $500
  .95%
  .95%
Saving Certificate:
 3 Months
 6 Months
 12 Months
1.00%
1.25%
1.50%
1.00%
1.26%
1.51%
 IRA'S:
 12 Months
 24 Months
 60 Months
 120 Months
3.00%
3.25%
3.50%
3.75%
3.03%
3.29%
3.55%
3.80%