Our customers can now view images of their paid checks
using their 1st Online internet banking account.

• FREE CHECKING ACCOUNT
  
  Opening deposit of $100
  No monthly service charge
  Earn interest on balances of $1,000 or more
  Free internet access to your account using 1st Online
  Free 1st Online Bill Pay
  Free 1st National Bank Check Card
   

• 1st GOLDEN ACCOUNT
  
  Opening deposit of $100
  For our customers age 50+
  No service charge if monthly balance of $100 is maintained, otherwise
       the monthly charge is $7.00
  Free 1st Golden checks, other styles are available at a significant discount
  Maintain a balance of $1000 or more and earn interest that is
       compounded daily
  Entitles you to no fee for single party travelers checks, 3 free money
       orders per month, and notary service
  Common carrier accidental death insurance
  Credit card protection
  Emergency cash advance service
  Key ring protection
  Discount travel programs
  $10 credit toward the yearly rental on a safe deposit box
  Free online access to account using 1st Online
  Free 1st Online Bill Pay
  Free 1st National Bank Check Card
   

• 1st GOLDEN PLUS ACCOUNT
  
  For our customers age 50 and over
  Earns interest with all the benefits of 1st Golden Account
  No minimum balance required for a monthly fee of $4.00
  Buyer's Advantage
  Accidental Death Insurance
  Discount eyewear
  Free emergency data card
  Free online access to account using 1st Online
  Free 1st Online Bill Pay
  Free 1st National Bank Check Card
   

• BANCLUB ACCOUNT
  
  Offers accidental death life insurance for a monthly fee of $6 or $8,
       depending on the amount of insurance selected
  No minimum balance to maintain
  Free Banclub checks, other styles are available at a significant discount
  Entitles you to no fee for single party travelers checks, 3 free money
       orders per month, and notary service
  $10 credit towards the yearly rental on a safe deposit box
  Free online access to account using 1st Online
  Free 1st Online Bill Pay
  Free 1st National Bank Check Card
   

• MONEY MARKET INVESTMENT ACCOUNT
  
  Earns interest compounded monthly based on the average monthly
       30-Day T-Bill rate
  No service charge and unlimited withdrawals and deposits made
       in person if a $2500 monthly minimum balance is maintained,
       otherwise the monthly charge is $10 for personal accounts
       and $20 for business accounts
  
  

• BUSINESS ACCOUNTS
  
  

  	FREE BUSINESS CHECKING	BUSINESS INTEREST CHECKING	BUSINESS CHECKING	BUSINESS SAVINGS
  MONTHLY FEE	$0	$7.50	$7.50	$0 $1 Fee if Balance falls below $500
  PER ITEM CHARGE	150 Free $.20 per item after	$.12	$.12	150 Free $.20 per item after
  	N/A	Earns Interest!	Gets Earnings Credit! *	Earns Interest!

  
  Free online access to account using 1st Online
  Free 1st Online Bill Pay
  Free 1st National Bank Check Card
  
  *Earnings credit will be used to offset any fees.  This is calculated as a percentage of the average monthly available balance.  The rate is equal to the average monthly 30-day T-Bill rate.  The credit is applied to each account at the end of the statement cycle, and may eliminate all fees on your account.
   

• OTHER SERVICES
  
  
  CHECK REORDERS       
  
       Reorder your checks directly from Deluxe. You
  can choose from a wide variety of check styles and quantities.
       Go To Deluxe
  
  
  
  CHECKING PLUS
  
       Checking Plus is an optional line of credit extended to your
       checking account.  It acts as an instant loan for protection against
       overdrafts by advancing into your account your approved credit
       line in $50 increments.  The interest you are charged is
       determined by current market conditions.  The loan balance is
       repaid by an automatic monthly deduction from your checking
       account of 5% of the current balance with a minimum payment
       of $20.  Checking Plus is free for the first year and is $25 per year
       thereafter.  Contact the Loan Department.
  
    1st NATIONAL BANK CHECK CARD
  
       Whether you're buying groceries or filling your gas tank, your
       1st National Bank Check Card is perfect for everyday purchases.
         Make purchases anywhere MasterCard is accepted
         Withdraw cash from your checking or savings accounts,
             transfer funds between your checking and savings, and
             make deposits to your 1st National bank accounts    
         Pay bills directly by telephone or other means from your
             checking or savings account
         Access your Checking Plus, overdraft protection
  
  RETIREMENT ACCOUNTS
  
       Plan for the future while reducing taxes today. Individual Retirement
       Accounts (IRA) and Simplified Employee Pension Plan Accounts
       (SEP) earn interest compounded daily at the same rates as our
       Certificates of Deposit for similar periods of time.
       Contact a retirement plan specialist.
  
  ADDITIONAL SERVICES
  
       Night Deposit Service
       Cashier Checks
       Wire Transfers
       Direct Deposit
       Savings Bond transactions
       Cash Advances
       Letters of Credit