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SUPPLEMENT DATED FEBRUARY 21, 1994
TO PROSPECTUS DATED DECEMBER 29, 1993
AS AMENDED BY SUPPLEMENT DATED JANUARY 1, 1994
Effective February 21, 1994, the Twenty-Year Subordinated Capital
Investment Certificates
offered to the general public, by this Prospectus, have
been sold and are no longer available for
sale. The exchange offering of Twenty-Year Subordinated Capital
Investment Certificate as
stated in the Prospectus remains available.
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