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FDIC continues to provide individual depositor insurance coverage to $250,000 until 12/31/2013.

Our experienced staff can assist you in titling your account to maximize your coverage.

Mortgage Rates as of 07/01/2009

30-yr Fixed           5.25% - APR 5.634%

15-yr Fixed           4.75% - APR 5.108%

FHA 30-yr Fixed   5.375% - APR 5.926%

KY Housing FHA    6.125% - APR 6.243%

*All rates are subject to a 1.00% origination fee. Rates are based on loans of $175,000. All rates have a rate lock of 30 days minimum. All rates quoted are for owner-occupied residential properties. All rates are subject to change.

Our Mission Statement

We operate our bank for a fair return to our stockholders. Our plan is to deserve the profit because we deliver a quality personal service our clients deserve and want.

Our guidelines for this service:

• "Do unto others as you would have them do unto you."
• Honesty
• Integrity
• Confidentiality
• Patience - Understanding
• Immediate action
• Go the extra mile
• Kindness
• Spirit of friendliness and teamwork
• Responsiveness to needs 
• Knowledge of products
• Know our clients by name
• Keep a sense of humor

We believe that by carrying out this mission each and every day, we will reach our primary goal: to remain an independent bank.