PRIVACY STATEMENT

Our bank respects your privacy. Through our Web site, we strive to provide valuable information to you about how we may better serve you, and, whether you are already an existing customer or someone new shopping for bank services. We hope our site answers your questions about our products and services, locations and hours.

We do not gather information on individual users on our web site. We do collect and store information about the name of the domain from which you access the Internet, such as Compuserve.com, etc., the date and time you access our site, and the Internet address of the web site from which you linked to us. Other than that, we collect information on visitors only in the aggregate and use it for internal review purposes only. This information simply enables us to tell which areas of the site are of most interest to our users, which avenues of site promotion are most effective, and when peak usage times are.

Our Web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. You e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.

"COOKIES" are used to estimate our audience size. Each browser accessing our site is given a unique cookie, which is then used to determine whether a user is a first-time visitor or a return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing the site are new or repeat visitors.

From time to time, we may solicit information from you for our guestbook, or in connection with a giveaway or drawing. The disclosure of information is entirely voluntary on your part, and, if you choose to give it, the personally identifying data will be used primarily to enable us to contact you with additional information about our bank and its products and services.

We reserve the right to change this policy at any time by posting a new Website privacy policy.