MARCH 28, 1996
SUPPLEMENT TO PROSPECTUS DATED DECEMBER 29, 1995
Effective March 28, 1996, the following sentence is hereby substituted for the
first sentence of the second paragraph of the section entitled `DETERMINATION
OF THE CERTIFICATE INTEREST RATE''located on page 26 of the prospectus:
On the date of this Prospectus, the CIR was 7.50% on Five-Year and 8.25% on
Ten-Year Subordinated Capital Investment Certificates; 7.50% on Five-Year
and 8.25% Ten-Year Subordinated Monthly Income Capital Investment
