Fee Chart:

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:

Draft printing                  (fee depends on style of draft ordered)

Overdraft (each debit or draft paid)                                                          $25.00

Deposit Return items (each)                                                                    $  8.00

Non-sufficient funds pre-authorized withdrawal                                          $25.00

Account activity printout. (per page)                                                         $  1.00

Account research ($10 per hour)                                                             $10.00

Stop payments (each)                                                                            $25.00

Collection (incoming)                                                                             $15.00

Share draft copy (each)                                                                         $  4.00

Wire Transfers (out-going)                                                                     $25.00

Dormancy(Shares, Share Draft w/no activity for 1 yr. & bal. less $25)(mo) $  5.00 

Levies &/or Garnishments (each)                                                            $10.00

Check Card Fee & Auto Renewals.                                                            FREE

Check Card VISA Point of Sale transactions                                               FREE

ATM Card Fee (annually) charge- 1$ per month                                      $12.00

ATM/VISA Check Card AMT Transactions (each)                                     $    .75

ATM/VISA Check Card Overdrafts (each                                                  $25.00

ATM/VISA Check Card Account Research (per hour)                                $10.00

ATM/VISA Check Card Replacements (per card)                                      $  7.00

ATM/VISA Check Card or 24/7 Line Pin Number Replacement (each)        $  7.00

ATM/VISA Check Card Transaction Copy (each)                                      $  5.00

Check Cashing Fee (effective November 1, 2000)                                    $10.00

Verification of Deposit                                                                            $10.00

Statement Copy Fee (per month)                                                            $  5.00