| Dow | 15,270.32 | -24.18 |
| Nasdaq | 3498.965 | +33.722 |
| 10 Yr Bond | 2.005 % | -0.018 |
| Oil | 93.55 | -0.77 |
| Gold | 1386.10 | -6.7001 |


There are numerous scams circulating around these day. Now it’s time for you to stay safe and protect your computer as you browse and buy on the Web. We have compiled the ultimate online shopping tip list, just for you….
Avoid Phishing Attacks
Before typing your username and password to enter a site, make sure the website address is correct. Do not click on links from e-mails you receive. Microsoft acknowledged in October that over 10,000 Live Hotmail accounts were compromised by a phishing scam.
Don’t Trust “Scareware”
Do not click on advertisements claiming you might be infected with a virus. Rogue ads recently started popping up on sites like The New York Times that purport you have a virus only to trick you into downloading malware. Rely on your system anti-virus for this.
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In honor and remembrance of our Chairman of the Board, Paul N. Herdman, who passed away on May 19th, all 1st National Bank locations closed at 1:00 p.m. Thursday, May 23rd re-openned for normal business hours on Friday May 24th.
Mr. Herdman was not only a significant part of the Bank's leadership for more than 50 years, he was a well known attorney and judge in our community. Our heartfelt condolences go out to the entire Herdman family. 1st National Bank associates will truly miss him.

Building a new home?
Our new and improved construction loan program offers a super low rate of 3.49%, low closing costs and a streamlined process with as little as 5% down.
Purchasing a new home?
Interest rates are still at an all time low! Call one of our loan specialists within the next 10 days and receive $0 closing costs.
Have you heard about H.A.R.P?
The Obama Administration's Home Affordable Refinance Program (HARP) is designed to assist homeowners in refinancing their mortgages - even if they owe more than the home's current value. If you are current on your mortgage, with or without equity, then you may be eligible for this program.
As the government continues to purchase mortgage backed securities, rates continue to fall and are at record lows. HARP allows you to take advantage of current market rates even if you are "underwater".
Call the 1st National Bank experts at (513)770-3221 to find out additional information today!