NEW OWNER OCCUPIED SINGLE FAMILY DWELLING:

30 Yr. Fixed:         6.500%  6.745% APR

20 Yr. Fixed:         6.250%  6.570% APR

15 Yr. Fixed:         6.000%  6.398% APR

RESIDENTIAL REAL ESTATE:

1 Year ARM:          4.000%  4.211% APR

3 Year ARM:         4.500%  4.717% APR

5 Year ARM:         5.000%  5.845% APR 

(Based on US Treasury Index)

The Interest rates on these loans may increase during the life of the loan.

HOME EQUITY:

15 Yr. Fixed:         6.875%  7.118% APR

HOME EQUITY (ARM):

1 Year ARM:          5.375%  5.608% APR

3 Year ARM:         5.750%  6.054% APR

5 Year ARM:         5.875%  6.111% APR 

(Based on US Treasury Index)

The Interest rates on these loans may increase during the life of the loan.

Actual rates may differ.

Friday, August 20, 2010

           

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CONTACTS:

Georgia Cable

Real Estate Lending Officer

936-334-3159

gcable@flnb.com

Mark Herndon

Sr. Vice President / Real Estate Lending Officer

936-334-3151

mherndon@flnb.com

Diane Huddleston

Real Estate Lending Officer

936-340-4742

dhuddleston@flnb.com

W. Earle Connevey

Senior Lending Officer

936-334-3128

econnevey@flnb.com