Effective 6/10/08

Account Type	Interest Rate	APY*
Hometown Checking *Minimum of $100.00 to open	-	-
Regular Checking *Minimum of $100.00 to open	0.25%	0.25%
Premier Checking *Minimum of $100.00 to open
$0-2,499.99	0.25%	0.25%
$2,500-4,999.99	0.25%	0.25%
$5,000-9,999.99	0.25%	0.25%
$10,000 - 499,999.99	1.00%	1.00%
$500,000 or higher	1.49%	1.50%
Premium Money Market *Minimum of $2,500.00 to open
$2,500-9,999.99	0.75%	0.75%
$10,000 - 349,999.99(Checking Account Required)	1.98%	2.00%
$350,000 or higher	2.96%	3.00%
$15.00 Service Charge if Balance falls below $2,500.00 any day.
Transfers to another account or third parties are limited to six (6) per statement cycle with no more than three (3) by check $8.00 fee for each withdrawal over six (6)
Business Money Market *Minimum of $100.00 to open
$5,000-9,999.99	0.25%	0.25%
$10,000-14,999.99	0.25%	0.25%
$15,000 - 249,999.99	1.00%	1.00%
$250,000 or higher	1.98%	2.00%
Personal Savings *Minimum of $100.00 to open
Interest paid monthly if balance falls below $2,500	0.25%	0.25%
Interest paid monthly for balances of $2,500-4,999.99	0.50%	0.50%
Interest paid monthly for balances of $5,000-9,999.99	0.50%	0.50%
Interest paid monthly for balances of $10,000 - 499,999.99	0.75%	0.75%
Interest paid monthly for balances of $500,000 or higher	1.49%	1.50%
Business Savings *Minimum of $100.00 to open	0.25%	0.25%
Certificates of Deposit (Minimum deposit of $500 required on all Certificates of Deposit) Certificates of Deposit Subject to Early Withdrawal Penalty
6 months	3.01%	3.05%
12 months	3.10%	3.15%
18 months	3.20%	3.25%
24 months	3.20%	3.25%
36 months	3.34%	3.40%
60 months	3.34%	3.40%
Rates are subject to change after account opening
*Annual Percentage Yield
Fees may reduce earnings
A - Checking or Savings Account required with minimum $500 opening deposit