ACCOUNT TYPES

1.                 Regular Shares

2.                 Sub Savings Account

3.                 Share Draft Account (Checking)

4.                 Christmas Club Account

5.                 Vacation Club Account

6.                 Certificate of Deposit Account

7.                 Individual Retirement Account

Account Reconciliation or Research (per hour)	$20.00
ATM/Debit Card Re-issue    _____________________________________________________ Statement Copy Fee	$10.00   $2.00
Account History	$3.00
Insufficient Funds Fee  per item	$30.00
Check Fee (OVER $1000.00 ONE FREE PER DAY)	$5.00
Return Check Charge  per item	$30.00
Stop Payment Fee  per item	$30.00
Wire Transfer Domestic	$15.00
Dormant Account Fee-1 year of inactivity	$7.00 PER MONTTH