Overdrafts/Insufficient Funds .........	$32.00 per item
Stop Payments  ........................	$32.00 per item
Returned Deposit Items ................	$ 5.00 per item
Debit Card (per card) .................	$ 1.00 per month  

Foreign ATM Fee .......................	$ 2.00 per transaction

Replacement ATM Card ..................	$ 5.00 each

Replacement Debit Card ................	$ 5.00 each

Collection Items ......................	$20.00 per item

Coupon Collections ....................	$20.00 per envelope

Account Activity Printout  ............	$ 5.00 each
Account Research ($10 minimum) ........	$ 5.00 per 15 minutes					

Sweep Account  ........................	$ 1.00 per transfer
Dormant Account Fee ...................	$ 5.00 per month
Account Closed Within Sixty Days ......	$50.00
Check Printing  .......................	Fee based on style of
					check ordered
Roll Coins ............................	$  .10 per roll

Safe Deposit Box:
	Lost Key Fee ..................	Market price of new

					lock, plus labor

Safe Deposit Box Rental:
	3 x 5 .........................	$25.00 annually
	5 x 5 .........................	$35.00 annually
	3 x 10 ........................	$55.00 annually
	5 x 10 ........................	$65.00 annually
       10 x 10 ........................	$85.00 annually
Night Deposit Bag  ....................	$20.00 each
Zipper Bag ............................	$ 3.00 each

Coin Purse ............................	$ 2.00 each

Wire Transfer Fee:
	Incoming and Outgoing
	Domestic (Customers) ..........	$15.00

	Domestic (Non-Customers) ......	No Service
	International (Customers) .....	$50.00

	International (Non-Customers) .	No Service
Cashiers Checks .......................	$20.00 each
Official Checks .......................	$ 7.50 each

Money Orders  .........................	$ 3.00 each
Travelers Checks
	1 Signature  ..................	$ 1.00 per $100.00
	2 Signatures ..................	$ 1.50 per $100.00

Photocopies  ..........................	$ 1.00 per page

Faxes:

	Sending  ......................	$ 5.00 First page

					$ 1.00 each additional page

	Receiving ..................... $ 1.00 per page

Accounts overdrawn 10 days or more will accrue interest at an

annual percentage rate of 8%, to be charged at the end of each

statement period.

Talk with one of our Customer Service Representatives for additional information.