Interest Rates - Mortgages
Effective 5-25-05

First Mortgage
   15 yr Fixed
          7.00%     0 Points

Home Equity Loans
   15 yrs Adjustable (Line of Credit)
       1st Position 8.500%
       2nd position 9.000%

Fixed Rate
      7 yr 6.80%
    10 yr 7.00%
    15 yr 7.20%