EFFECTIVE 2-12-2003
	LOAN RATES (All loan rates are subject to change)   Percentage Loaned Interest Rate Length of Loan New Cars-Trucks 100%* 5.75% Up to 72 months Used Cars-Trucks 2002-2005 80% 6.25% Up to 60 months 2001 80% 6.25% Up to 36 months 2000-older 67% 6.25% Up to 36 months Signature Loans $1,500 max. 14% Up to 36 months   First Loan .$1000 max 14% Up to 36 months Share Secured 100% 4.99% Up to 36 months (Balance in Account) 100% 4.99% 37 to 120 months Home Equity   80% 5.99*% Up to 120 months Home Equity Line of Credit   80% Prime Up to 120 months Maximum amount loaned not to exceed 80% - including current mortgages) *5.99% GUARANTEED FO FIRST 36 MONTHS. THE REMAINING PAYMENTS WILL BE AT PRIME RATE AT THAT TIME.

Notes:
All rates subject to change without notice. See a Loan Representative for complete details.