is committed to providing the best service and products at a reasonable price for the communities we serve. We strive to remain independent, profitable and vibrant, while enhancing stockholder's assets, promoting our community bank image, and providing a quality environment for our staff and customers, now and in the future.

Our institution has elected to participate in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.