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Certificates of Deposit

Minimum
Deposit
Interest
Rate
Annual Percentage
Yield
4 Years $500 3.34% 3.40%
3 Years $500 3.15% 3.20%
2 1/2 Year $500 3.10% 3.15%
2 Years $500 3.05% 3.10%
1 1/2 Years $500 3.00% 3.05%
1 Year $500 2.96% 3.00%
1 Year SS $500 2.96% 3.00%
182 Days $2500 2.83% 2.85%
91 Days $2500 2.62% 2.65%

INDIVIDUAL RETIREMENT ACCOUNTS

18 MONTH VARIABLE RATE

Minimum
Deposit
Interest
Rate
Annual Percentage
Yield
$100 3.00% 3.05%

              ***IRA Accounts also available in a fixed rate CD with a term of 1 year or more.***

              10 Month CD Special  Min. $2500  3.39%  APY  3.40%

               26 Month CD Special  Min $2500  3.44% APY  3.50%

All rates effective April 8, 2008 and are subject to change without notice.

 Time deposits subject to early withdrawal penalties.