BANKING FOR LOCALS, BY LOCALS

BANKING SERVICES, NAMELY, PERSONAL AND BUSINESS CHECKING ACCOUNTS, SAVINGS ACCOUNTS, DIRECT DEPOSIT, SAFE DEPOSIT BOXES, NIGHT DEPOSIT, ELECTRONIC FUNDS TRANSFERS, AUTOMATED TELLER MACHINE SERVICES, TRAVELERS' CHECK ISSUANCE, CREDIT CARDS, ON-LINE TELEPHONE AND BY-MAIL BANKING SERVICES; CONSUMER AND COMMERCIAL LOANS; REFINANCING OF LOANS; LOAN FINANCING AND REAL ESTATE INVESTMENT