CURRENT DEPOSIT RATES
                         July 21, 2008

This Rate Chart contains information about interest rates 
and annual percentage yields for some of the accounts we offer.

Account       Minimum   Minimum Balance    Interest        Annual
Product       Opening   to Obtain Annual     Rate        Percentage
              Deposit   Percentage Yield                   Yield

90 day CD*    $500.00      $500.00           2.20%         2.22%
182 day CD*   $500.00      $500.00           2.60%         2.63%
12 mo. CD*    $500.00      $500.00           2.65%         2.68%
24 mo. CD*    $500.00      $500.00           2.85%         2.88%
30 mo. CD*    $500.00      $500.00           3.00%         3.03%
36 mo. CD*    $500.00      $500.00           3.20%         3.24%
48 mo. CD*    $500.00      $500.00           3.20%         3.24%
60 mo. CD*    $500.00      $500.00           3.50%         3.55%


Checking Accounts:
NOW Acct.**         $1,000.00   $1,000.00     .75%            .75%
Super Now Acct.**   $2,500.00   $1,500.00    1.00%           1.01%
Cowboy Silver**     $100.00                   .30%            .30%

Savings Accounts:
Regular Savings**   $25.00      $25.00       .45%           .45%
Investor Savings**  $1,000.00   $1,000.00    .75%           .75%
Investor Plus
Savings**           $25,000.00  $25,000.00  1.00%          1.00%
Christmas Club**    $25.00      $25.00       .45%           .45%

IRA                 $500        $500        2.65%          2.68%

*  A penalty may be imposed for early withdrawal.
**  The interest rate and annual percentage yield may change after account opening.

Average daily balance.  
The average daily balance is calculated by adding the principal in the account for
each day of the period and dividing that figure by the number of days in the period.

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of 2/01/2008.
For current rate information, call (307) 655-2291.