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)	$15.00
ATM/Debit Card Re-issue	$8.00
Check Copies (per page)	$1.00
Insufficient Funds Fee  per item	$30.00
Check Fee (1 free per day) thereafter  per item	$3.00
Return Check Charge  per item	$30.00
Stop Payment Fee  per item	$15.00
Wire Transfer Domestic	$15.00
Dormant Account Fee-2 years of inactivity	$5.00