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                                                   Main Office                                               Lyon County Branch
                                                  P.O. Box 135                                                      P.O. Box 625
                                            602 Cassidy Avenue                                              226 Commerce Street
                                             Fredonia Ky, 42411                                                Eddyville, Ky 42038
                                                 (270) 545-3301                                                    (270) 388-2265
                                             (Fax)(270)  545-9002                                                    (Fax)(270) 388-2245

 Toll Free 24 Hour Number

 Toll Free 24 Hour Number

 (270) 545-3360

 (270) 545-3360

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS: 

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from Decemember 31, 2010, through December 31, 2012.  This temporary unlimited coverage is in addition to , and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.  The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust accounts ("IOLTAs").  It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts.  For more information about temporary FDIC insurance converage of transaction accounts, visit www.fdic.gov.