The following fee applies to Regular Checking Accounts:

PER WITHDRAWAL ITEM:

$.10/PER ITEM/BALANCE LESS THAN $500

The following fee applies to Regular Checking; SUPER NOW Accounts; Savings Accounts; and Certificates of Deposit Accounts:

WIRE TRANSFER-OUTGOING:	$12.00/PER TRANSFER
WIRE TRANSFER-INCOMING:	$12.00/PER TRANSFER
FOREIGN WIRE TRANSFER-OUTGOING:	$65.00/PER TRANSFER
FOREIGN WIRE TRANSFER-INCOMING:	$65.00/PER TRANSFER

The following fees apply to CITIZENS CLUB-$30,000 Accounts:

MONEY ORDERS:	$1.50/PER ITEM OVER FIVE PER MONTH
CASHIER CHECKS:	$2.50/PER ITEM OVER FIVE PER MONTH
PHOTO COPIES:	$.25 PER COPY OVER FIVE PER MONTH

The following fee applies to REGULAR CHECKING; CITIZENS CLUB - $30,000; REGULAR SAVINGS; and SUPER NOW ACCOUNT Accounts:

RETURNED DEPOSIT ITEM:

$5.00/PER ITEM

The following fees apply to REGULAR CHECKING; CITIZENS CLUB - $30,000; REGULAR SAVINGS; and SUPER NOW ACCOUNT Accounts:

CUT OFF STATEMENT:	$5.00/PER REQUEST
DORMANT ACCOUNT FEE:	$25.00/ANNUALLY IF INACTIVE FOR THE PREVIOUS 12 MONTHS

The following fees apply to REGULAR CHECKING; CITIZENS CLUB - $30,000; and SUPER NOW ACCOUNT Accounts:

STOP-PAYMENT REQUEST:	$18.00 - $30.00 PER BILL PAYMENT REQUEST
NSF ITEM:	$18.00 - $30.00 PER BILL PAYMENT REQUEST
OVERDRAFT ITEM:	$18.00 - $30.00 PER BILL PAYMENT REQUEST
OVERDRAFT PROTECTION	$4.50/OCCURENCE

The following fees apply to REGULAR CHECKING; REGULAR SAVINGS; SUPER NOW ACCOUNT; Certificates of Deposit Accounts:

MONEY ORDERS:	$2.00/PER ITEM
TRAVELERS CHECKS:	1% OF FACE VALUE
CASHIERS CHECKS:	$2.50/PER ITEM
PHOTO COPIES:	$.25 PER COPY