NEW OWNER OCCUPIED SINGLE FAMILY DWELLING:

30 Yr. Fixed:         6.875%  6.978% APR

20 Yr. Fixed:         6.750%  6.883% APR

15 Yr. Fixed:         6.500%  6.663% APR

RESIDENTIAL REAL ESTATE:

1 Year ARM:          4.500%  4.639% APR

3 Year ARM:         4.750%  4.8700% APR

5 Year ARM:         5.250%  5.374% APR 

(Based on US Treasury Index)

HOME EQUITY:

15 Yr. Fixed:  7.250% 7.254% APR

1 Yr. ARM:            7.000% 7.023% APR

3 Yr. ARM:            7.375% 7.399% APR

5 Yr. ARM:            7.750% 7.774% APR

(Based on US Treasury Index)

Actual rates may differ.

Tuesday, December 16, 2008