Savings Rates

SHARE RATES
Effective for the Dividend Period beginning 12/31/2007
Dividend Declaration Date is 12/31/2007

Balance To Earn Dividends	Nominal Rate	Annual Percentage Yield
Regular Savings
$ 25.00	.75%	.75%

Christmas Club
$ 25.00	1.50%	1.51%

Medical Savings
$ 200.00	.50%	.50%

IRA
$ 25.00	1.75%	1.76%

SHARE CERTIFICATES

Minimum Opening Deposit

$ 1000
3 mo	2.97%	3.00%
(Dividend paid at maturity)

$ 1000
6 mo	3.50%	3.55%
9 mo	3.55%	3.60%
12 mo	3.99%	4.05%
24 mo	4.23%	4.30%
36 mo	4.53%	4.60%
48 mo	4.76%	4.85%
60 mo	5.00%	5.10%
(Dividends compounded quarterly)

IRA Certificate

$ 500
12 mo	4.05%	4.05%
(Dividends paid at maturity)