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Meetings of Shareholders
 Annual Meeting
 Special Meetings




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Nominations of Directors
 (1)
    
    The name and address of each proposed nominee.(2)
    
    The principal occupation of each proposed nominee.(3)
    
    The total number of shares of capital stock of the association that will be
voted for each proposed nominee.(4)
    
    The name and residence address of the notifying shareholder.(5)
    
    The number of shares of capital stock of the association owned by the
notifying shareholder.
  Judges of Election
 Proxies




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Quorum
  Directors
 Board of Directors
 Number
 Term of Directors
 Organization Meeting
 Regular Meetings




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Special Meetings
 Quorum
 Voting
 Manifestation of Dissent
 Fees
 Vacancies
  Removal of Directors




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Resignation
 Mandatory Retirement
 Honorary Directors
  Committees of the Board
   Executive Committee




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Audit Committee
 Other Committees
  (1)
    
    Authorize distributions of assets or dividends.(2)
    
    Approve action that the shareholders must approve.(3)
    
    Fill vacancies on the board of directors or any of its committees.(4)
    
    Amend the Articles of Association.(5)
    
    Adopt, amend, or repeal the Bylaws.(6)
    
    Authorize or approve the issuance or sale, or contract for sale, of shares, or
determine the designation and relative rights, preferences, and
limitations of a class or series of shares.
  Officers and Employees
 Chairperson of the Board
 (1)
    
    Supervise the carrying out of the policies adopted or approved by the board;(2)
    
    Have the specific powers conferred by these Bylaws; and(3)
    
    Have and may exercise such further powers and duties as from time to
time may be conferred upon, or assigned by the board of directors.




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President and Chief Executive Officer
 Vice President
 Cashier
 (1)
    
    Attend to the giving of all notices required by these Bylaws;(2)
    
    Be custodian of the corporate seal, records, documents, and papers of
the association;(3)
    
    Provide for the keeping of proper records of all transactions of the
association;(4)
    
    Have and may exercise any and all other powers and duties pertaining by
law, regulation, or practice, to the office of cashier, or imposed by
these Bylaws; and(5)
    
    Perform such other duties as may be assigned from time-to-time, by the
board of directors.
  Other Officers




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Tenure of Office
 Resignation
  Stock and Stock Certificates
 Transfers
 Stock Certificates
   (1)
    
    The types of nominees to which it applies.(2)
    
    The rights or privileges that the association recognizes in a beneficial
owner.(3)
    
    How the nominee may request the association to recognize the beneficial
owner as the shareholder.(4)
    
    The information that must be provided when the procedure is selected.(5)
    
    The period over which the association will continue to recognize the
beneficial owner as the shareholder.




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(6)
    
    Other aspects of the rights and duties created.
  Corporate Seal
  
  Miscellaneous Provisions
 Fiscal Year
 Execution of Instruments
 Records
 Corporate Governance Procedures
 Indemnification




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Bylaws
 Inspection
 Amendments
   /s/ Albert W. YeagleySecretary