July 31, 2002
           AMERICAN NATIONAL BANK
Member FDIC
These are the current interest rates for American National Bank of Wichita Falls, TX.  The Annual Percentage Yield (APY) may vary depending on interest compounding method
CERTIFICATE OF DEPOSIT OVER $100,000 IRA ACCOUNTS
Number of Days Current Rate APY   Number of Days Current Rate APY  
14 days 1.15% 1.18% 10 90 Days Fixed 2.04% 2.06%  
30 days 1.71% 1.73% 11 1 year 2.47% 2.49%  
60 days 1.74% 1.75% 12 2 year fixed 2.77% 2.80%  
90 days 2.09% 2.11% 13 2 year variable 2.77% 2.80%  
120 days 2.12% 2.14% 14 3 year 3.33% 3.37%  
150 days 2.15% 2.17% 15 4 year 3.40% 3.44%  
180 days 2.17% 2.19% 16 5 year 4.12% 4.18%  
210 days 2.26% 2.28% 17 Money Market Fund 1.01% 1.01%  
4 year 3.92% 3.99% 22
5 year 4.33% 4.42% 23
INTEREST BEARING ACCOUNTS
Super Now Account 0.76% 0.76%  
CERTIFICATE OF DEPOSIT UNDER $100,000 Prestige Account 1.01% 1.01%  
Number of Days Current Rate APY   Savings Account 1.01% 1.01%  
30 days 1.66% 1.69% 1 Money Market Fund    
90 days 2.04% 2.06% 2 0-499 0.00% 0.00%  
180 days 2.12% 2.14% 3 500-2,499 0.51% 0.51%  
1 year 2.47% 2.50% 4 2,500 -24,999 1.01% 1.01%  
2 year 2.77% 2.81% 5 25,000-49,999 1.26% 1.26%  
3 year 3.33% 3.38% 6 50,000 - 74,999 1.76% 1.77%  
4 year 3.40% 3.45% 7 75,000 - 99,999 2.01% 2.02%  
5 year 4.12% 4.20% 8 100,000 - UP 2.26% 2.28%  
Call 940-397-2300 during normal business hours for most current rate information.
Truth In Savings Disclosure