I am pleased to share with you news of our continued growth and health, even in these challenging economic times. This progress and growth can be attributed to our remarkable staff and a Board of Directors whose members are committed to our goals.

We continue to serve this community and our members by providing the latest technology and by offering forward-thinking banking and loan products that enable us to grow and serve you better.

We are proud to be an independent bank. We make our decisions locally, not at some far away corporate headquarters. We continue to keep our profits right here in this community, just as we have for 88 years.

Sincerely,

John Forrest 

President