____________________________________________________

Mr. Dave Collins
1137 San Ildefonso Rd.
Los Alamos, NM 87544
____________________________________________________

Dear Mr.Collins,

We are writing to inform you that the interest rate
on Savings Accounts at First National has been 
increased to 5.5%, compounded daily.

This is just another benefit of doing business with
First National. If you have any questions, please call 
my office.

Regards,
John Rogers
Senior Vice President
First National Bank
876-4527 
____________________________________________________

Ms. Janet Smith
1050 Trinity Blvd.
Los Alamos, NM 87544
____________________________________________________

Dear Ms.Smith,

We are writing to inform you that the interest rate
on Savings Accounts at First National has been 
increased to 5.5%, compounded daily.

This is just another benefit of doing business with
First National. If you have any questions, please call 
my office.

Regards,
John Rogers
Senior Vice President
First National Bank
876-4527