Visitors to this bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

Date and time our site was accessed

IP address (A numeric address given to servers connected to the Internet)

Web browser used

City, state, and country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via E-mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.

Some areas of our Website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

GENERAL PRIVACY DISCLOSURE to comply with the provisions of the Gramm-Leach-Bliley Act governing the privacy of consumer financial information:

We collect non-public personal information about you from the following sources:

1) Information we receive from you on applications or other forms, such as: your name, address, social security number, assets and income.

2) Information about your transactions with us, our affiliates, or others, such as: your account balance, payment history, parties to transactions and credit card usage.

3) Information we receive from a consumer reporting agency, such as: your creditworthiness and credit history.

We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.

We restrict access to non-public personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

We value your business and will continue to work hard to preserve your confidence and trust.