Hartford State Bank, a branch of Flint Hills Bank of Eskridge, is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.  For purposes of the Transaction Account Guarantee Program, NOW accounts are not considered non-interest bearing and do not qualify for this program.