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DEPOSIT RATES, Subject to change Effective Date: 4-14-04
DESCRIPTION	COMPOUNDING	RATE	APY.	MIN. BALANCE to obtain APY
SAVINGS ACCT.	SEMI ANNUAL	1.00	1.00	50
IRA'S 18 Mo.	SEMI ANNUAL	1.64	1.65	n/a
NOW ACCOUNT	MONTHLY	.35	.35	1,000
MONEY MARKET	MONTHLY	1.14	1.15	2,500
30-90 DAY CD	AT MATURITY	.60	.60	2,500
91-181 DAY CD	AT MATURITY	1.05	1.05	1,000
182 DAY CD	AT MATURITY	1.20	1.20	1,000
1 YEAR CD	SEMI ANNUAL	1.40	1.40	1,000
18 MONTH CD	SEMI ANNUAL	1.74	1.75	1,000
30 MONTH CD	SEMI ANNUAL	2.09	2.10	1,000
3 YEAR STEP UP CD	SEMI ANNUAL	2.80	2.82	2,500
5 YEAR CD	SEMI ANNUAL	3.22	3.25	1,000
CHRISTMAS CLUB	N/A	1.50	1.50	-

The rate shown for accounts may change after the account is opened. The annual percentage yield (APY) assumes funds will remain on deposit for a full period until maturity. Some of the accounts listed may require a minimum balance to open, a minimum daily balance, and/or impose a penalty for early withdrawal. Fees and other conditions could reduce earnings. If compounding does not apply, the APY will be the same as the interest rate.

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