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    <TD class=spanhd><B>Messages</B></TD></TR>
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      <LI><FONT color=#003366><U>Your CD matures in one month!</U></FONT> 
      <LI><FONT color=#003366><U>Now Providing a Technology Mutual Fund</U></FONT> 
      <LI><FONT color=#003366><U>Children's Savings Account Program 
      Update</U></FONT> 
      <LI><FONT color=#003366><U>Small Business Program Offer</U></FONT> 
      <LI><FONT color=#003366><U>Financial Tip of the Day</U></FONT> 
      <LI><FONT color=#003366><U>Mortgage Rate Chart - See how we 
      compare!</U></FONT> 
      <LI><FONT color=#003366><U>Check out our 1-year and 6-month CD 
      rates</U></FONT> 
      <LI><FONT color=#003366><U>Auto Insurance Rates Lowered</U></FONT> 
      <BR>&nbsp;</LI></TD></TR></TABLE></FONT></STRONG></DIV>