(Effective 8/1/02)
Regular Share Account -Reopen Fee	$10.00 per account reopened.
Money Market Excessive - Withdrawal Fee	$5.00 per transfer/ withdrawal, after three (3) transfers/ withdrawals per month.
Overdraft Fee	$2.00 per item
NSF Fee	$25.00 per item
Stop Payment Fee	$10.00 per request
Share Draft Copy Fee	$ 2.00 per item
Certified Share Draft Fee	$ 2.00 per item
ATM Withdrawals (Over 6 Per Month)	$ 1.00 each
ATM Transfers	$.50 each
ATM Balance Inquiries	$.50 each
Account Reconciliation Fee	$10.00 per hour
Statement Copy Fee	$1.00 per copy
Deposited Item Return Fee	$10.00 per item
Wire Transfer (Outgoing) Fee	$10.00 per item