November 19 to November 25, 2008 Certificate of Deposit $500.00 Minimum
Certificate Term	Interest Rate (APR)	Annual Percentage Yield (APY)	Preferred Customer (APR)***	Preferred Customer (APY)***
91 Day CD (compounds quarterly)	.950%	.950%	1.200%	1.210%
182-Day CD	1.250%	1.250%	1.500%	1.510%
12-Month CD	1.450%	1.460%	1.700%	1.710%
18-Month CD	1.650%	1.660%	1.900%	1.910%
24-Month CD	1.850%	1.860%	2.100%	2.110%
30-Month CD	1.950%	1.960%	2.200%	2.210%
36-Month CD	2.400%	2.410%	2.650%	2.670%
48-Month CD	2.550%	2.570%	2.800%	2.820%
60-Month CD	2.850%	2.870%	3.100%	3.120%
***Preferred Customer Rates - To qualify for the FNB Customer Preferred Rate customers must have a Regular/Business checking account or a Free checking account with at least one electronic deposit per month.

Certificate of Deposit $10,000.00 Minimum
Certificate Term	Interest Rate (APR)	Annual Percentage Yield (APY)	Preferred Customer (APR)***	Preferred Customer (APY)***
91 Day CD (compounds quarterly)	1.050%	1.050%	1.300%	1.310%
182-Day CD	1.300%	1.300%	1.550%	1.560%
12-Month CD	1.500%	1.510%	1.750%	1.760%
18-Month CD	1.700%	1.710%	1.950%	1.960%
24-Month CD	1.850%	1.860%	2.200%	2.210%
30-Month CD	2.000%	2.010%	2.250%	2.260%
36-Month CD	2.450%	2.470%	2.700%	2.720%
48-Month CD	2.650%	2.670%	2.900%	2.920%
60-Month CD	2.950%	2.970%	3.200%	3.230%
***Preferred Customer Rates - To qualify for the FNB Customer Preferred Rate customers must have a Regular/Business checking account or a Free checking account with at least one electronic deposit per month.

Certificate of Deposit $50,000.00 Minimum
Certificate Term	Interest Rate (APR)	Annual Percentage Yield (APY)	Preferred Customer (APR)***	Preferred Customer (APY)***
91 Day CD (compounds quarterly)	1.200%	1.210%	1.450%	1.460%
182-Day CD	1.450%	1.460%	1.700%	1.710%
12-Month CD	1.750%	1.760%	1.900%	1.910%
18-Month CD	1.850%	1.860%	2.100%	2.110%
24-Month CD	2.100%	2.110%	2.350%	2.360%
30-Month CD	2.150%	2.160%	2.400%	2.410%
36-Month CD	2.600%	2.620%	2.850%	2.870%
48-Month CD	2.800%	2.820%	3.050%	3.070%
60-Month CD	3.10%	3.120%	3.350%	3.380%
***Preferred Customer Rates - To qualify for the FNB Customer Preferred Rate customers must have a Regular/Business checking account or a Free checking account with at least one electronic deposit per month.

Certificate of Deposit $100,00.00 Minimum
Certificate Term	Interest Rate (APR)	Annual Percentage Yield (APY)	Preferred Customer (APR)***	Preferred Customer (APY)***
30-Day Jumbo	.750%	.750%	1.000%	1.000%
30-DAY JUMBO INTEREST COMPOUNDS MONTHLY

Current Certificate of Deposit Specials
Certificate Term	Interest Rate (APR)	Annual Percentage Yield (APY)
36-Month Bump-up	2.400%	2.430%	$10,000 Minimum-Rate can increase 2 during the original term to the regular 36 month rate. Renews for regular 36 month term & rate.
9 - 12 Month Term YOU PICK	2.000%	2.000%	$5,000 Minimum - Renews for a 12 Month Term at the 12 Month Rate. Interest Paid at Maturity

IRA Certificates Interest is compounded daily and credited to the account annually
Certificate Term	Minimum	Interest Rate (APR)	Annual Percentage Yield (APY)
12-Month Variable**	$ 500.00	2.000%	2.020%
36-Month Fixed Rate	$ 500.00	2.400%	2.430%
36-Month Bump Up- Rate can increase 2 times during the term to the regular 36 Month IRA rate. Renews for regular 36 Month IRA term & rate	$5,000.00	2.400%	2.430%
**Variable rate is based on the 91 Day Treasury Bill. This rate can be adjusted monthly and has a guaranteed mimimum rate of 2.00% APR with an APY of 2.020% (effective 4/1/2008 - 3/31/2009) A penalty may be imposed for early withdrwal of funds from certificates of deposit. 13 week Treasury Bill = .152% 26 week Treasury Bill = .855%

Checking Accounts Rates are effective as of May 7, 2008 and are subject to change Interest is compounded monthly. Interest rates may be changed at our discretion.
Type of Account	Mimimum Balance to Earn APY*	Interest Rate (APR)	Annual Percentage Yield (APY)
1st Interest	$1,000.00 Minimum deposit required to open
-Avg Balance	less than $9,999.99	.250%	.250%
-Avg Balance	$9,999.99 to $49,999.99	.500%	.500%
-Avg Balance	$50,000.00 or more	.750%	.750%
1st IMMC	$1,000.00 Minimum deposit required to open
-Avg Balance	less than $9,999.99	.500%	.500%
-Avg Balance	$9,999.99 to $49,999.99	1.000%	1.000%
-Avg Balance	$50,000.00 or more	1.750%	1.750%
*Average Daily Balance Fees charged on checking accounts could reduce the earnings on these accounts.

Savings Accounts Rates are effective as of May 7, 2008 and are subject to change Interest is compounded quarterly. Interest rates may be changed at our discretion.
Type of Account	Mimimum Balance to Earn APY*	Interest Rate (APR)	Annual Percentage Yield (APY
Passbook Savings	$100.00 Minimum deposit
-Avg Balance	below $100.00	.000%	.000%
-Avg Balance	over $100.00	.750%	.750%
*Average Daily Balance Fees charged on savings accounts could reduce the earnings on these accounts.