SCHEDULE OF FEES
As of March 31, 2004
SHARE ACCOUNT FEES

Membership Fee	None
Share Savings Account Excess Withdrawal Fee	$5.00 per withdrawal if more than three (3) per month
Savings Only	$3.00 per month if average daily balance is less than $300.00
Account Closing Fee	$20.00 if closed within first 90 days
Christmas Club Account Early Withdrawal Fee	$5.00 per withdrawal or transfer
Inactive Share Account Fee	$5.00 per month until account closes or has activity.  Applies to accounts that have been inactive for one year and have a balance of less than $100.00
Certificate of Deposit Early Withdrawal Fee	90 days interest earned or unearned

OTHER SERVICES AND FEES (applicable to all accounts)

Account Research/Reconciliation Fee	$10.00 per hour - Minimum fee $10.00
Statement Copy Fee	$3.00 per statement
Instant Statement	$1.00 printed or verbal
Microfilm Copy of Check	$2.00 per check
Verification of Deposit Letter	$5.00 per letter
Stop Payment Fee	$32.00 per draft or series of drafts
Money Order Fee	$1.00 per money order
Official Check Fee	$1.00 per check
Undeliverable Mail Fee	$5.00 per occurrence
Western Union Fee	$15.00 per transfer
Wire Transfer - Incoming or Outgoing	$25.00 per transfer
International Wire Transfer - Incoming or Outgoing	$50.00 per transfer
Travelers Cheques - Traditional	$1.00 per $100 purchased
Paper Statement Fee	$2.00 per month
Travelers Cheques - Two Party	$1.50 per $100 purchased
Deposited Item Return Fee	$30.00 per item
ATM Fee	None
Debit Card Replacement Fee	$5.00 per replacement
Priority Card Fee	$25.00

SHARE DRAFT (CHECKING) ACCOUNT FEES

Returned/Paid NSF Fee	$32.00 per item
Share Draft Printing Fee	Prices may vary depending upon style
Overdraft Transfer Fee	$1.00 per transfer

ELECTRONIC FUNDS TRANSFER FEES

Returned/Paid ACH NSF Fee	$32.00 per item
ACH Stop Payment Fee	$32.00 per request
ATM Withdrawal NSF Fee	$32.00

Fees subject to change without notice at the discretion of the Board of Directors.