Personal Savings Account

      - This account requires a minimum of $100.00 to open

      - Interest is accrued daily on available daily balances and paid
         quarterly.

      - Transaction limitations
              Transfer from a Savings account to another account or to third parties by 
              preauthorized, automatic or telephone transfer are limited to six per month 
              with no transfer by draft, debit card or similar order to third parties.

      - Fees

              A minimum transaction fee of $.50 will be charged for each debit
              transaction (withdrawal, automatic transfer or payment out of this
              account) in excess of 10 during a quarter.  This fee will not apply
              to students or account holders 50 years of age or older who have
              notified us of eligibility.