CERTIFICATE OF DEPOSIT

   24 MONTHS – 3.50% APY*

 36 MONTHS – 3.50% APY*

 60 MONTHS – 4.00% APY*

 *Annual Percentage Yield (APY) effective as of 07/01/2008 and is subject to change without notice. This is for new Certificates only, existing Certificates will not be re-written at this rate.  Minimum balance $1,000.00.  Interest is compounded daily.  Subject to penalty for early withdraw. 

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 LINGLESTOWN OFFICE

 1288 N. MOUNTAIN ROAD

 HARRISBURG, PA.  17112