Certificate and IRA Rates | Variable Rate Savings Account

Certificate Rates
Interest Compounded Monthly, Posted Monthly
If interest paid monthly - link to savings account
or by check, yield is the same as rate.
Rates Effective March 9, 2010

$10,000 Minimum
Term (Months)	Interest Rate	Annual Percentage Yield
12	1.20%	1.21%
24	1.65%	1.66%
36	2.05%	2.07%
48	2.45%	2.48%
60	2.75%	2.78%

Certificates are subject to a substantial penalty for early
withdrawal, Call for the "Account Terms and Conditions Disclosure"
Rates subject to change without notice.

IRA Rates
Rates Effective March 9, 2010

$1,000 Minimum
Term (Months)	Interest Rate	Annual Percentage Yield
12	1.20%	1.21%
24	1.65%	1.66%
36	2.05%	2.07%
48	2.45%	2.48%
60	2.75%	2.78%

Rates subject to change without notice.

Each depositor insured to at least $250,000
through December 31, 2013 by FDIC.

Total GAAP Net Worth at 12/31/09 - $81,203,000

Total Risk-based Capital at 12/31/09 -         12.11%
Tier 1 Leverage Capital Ratio at 12/31/09 -   9.79%