<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2023v5.0" xsi:schemaLocation="http://www.irs.gov/efile">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2024-03-29T09:16:15-07:00</ReturnTs>
    <TaxPeriodEndDt>2023-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>200464347</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>BOURKE ACCOUNTING LLC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>1941 BISHOP LN STE 102</AddressLine1Txt>
        <CityNm>LOUISVILLE</CityNm>
        <StateAbbreviationCd>KY</StateAbbreviationCd>
        <ZIPCd>40218</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990EZ</ReturnTypeCd>
    <TaxPeriodBeginDt>2023-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>611511908</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>THE HIBERNIAN CULTURAL AND CHARITABLE</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>ASSOCIATION INC</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>HIBE</BusinessNameControlTxt>
      <PhoneNum>5024518773</PhoneNum>
      <USAddress>
        <AddressLine1Txt>1941 BISHOP LN 102</AddressLine1Txt>
        <CityNm>LOUISVILLE</CityNm>
        <StateAbbreviationCd>KY</StateAbbreviationCd>
        <ZIPCd>40218</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>JOHN FAVIER</PersonNm>
      <PersonTitleTxt>Chairman</PersonTitleTxt>
      <SignatureDt>2024-03-28</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <SigningOfficerGrp>
      <PersonFullName>
        <PersonFirstNm>JOHN</PersonFirstNm>
        <PersonLastNm>FAVIER</PersonLastNm>
      </PersonFullName>
      <SSN>999009999</SSN>
    </SigningOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>TIMOTHY T BOURKE III</PreparerPersonNm>
      <PTIN>P00238010</PTIN>
      <PhoneNum>5024518773</PhoneNum>
    </PreparerPersonGrp>
    <AdditionalFilerInformation>
      <TrustedCustomerGrp>
        <TrustedCustomerCd>2</TrustedCustomerCd>
        <AuthenticationAssuranceLevelCd>AAL1</AuthenticationAssuranceLevelCd>
        <IdentityAssuranceLevelCd>IAL1</IdentityAssuranceLevelCd>
        <FederatedAssuranceLevelCd>FAL1</FederatedAssuranceLevelCd>
      </TrustedCustomerGrp>
    </AdditionalFilerInformation>
    <TaxYr>2023</TaxYr>
    <BuildTS>2023-04-26 12:10:37Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="4">
    <IRS990EZ documentId="IRS990EZ" referenceDocumentId="IRS990ScheduleO TransfersPersonalBenefitsContr" softwareId="23017517" softwareVersionNum="2023v5.0">
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
      <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
      <Organization501c3Ind referenceDocumentId="IRS990ScheduleA">X</Organization501c3Ind>
      <TypeOfOrganizationCorpInd>X</TypeOfOrganizationCorpInd>
      <GrossReceiptsAmt>127009</GrossReceiptsAmt>
      <InfoInScheduleOPartIInd>X</InfoInScheduleOPartIInd>
      <ContributionsGiftsGrantsEtcAmt>7962</ContributionsGiftsGrantsEtcAmt>
      <ProgramServiceRevenueAmt>42172</ProgramServiceRevenueAmt>
      <InvestmentIncomeAmt>7642</InvestmentIncomeAmt>
      <SaleOfAssetsGrossAmt>30359</SaleOfAssetsGrossAmt>
      <CostOrOtherBasisExpenseSaleAmt>22878</CostOrOtherBasisExpenseSaleAmt>
      <GainOrLossFromSaleOfAssetsAmt>7481</GainOrLossFromSaleOfAssetsAmt>
      <FundraisingGrossIncomeAmt fndrsngEventContriPrevRptAmt="1416" referenceDocumentId="IRS990ScheduleG">38874</FundraisingGrossIncomeAmt>
      <SpecialEventsDirectExpensesAmt>20964</SpecialEventsDirectExpensesAmt>
      <SpecialEventsNetIncomeLossAmt>17910</SpecialEventsNetIncomeLossAmt>
      <CostOfGoodsSoldAmt>0</CostOfGoodsSoldAmt>
      <TotalRevenueAmt>83167</TotalRevenueAmt>
      <GrantsAndSimilarAmountsPaidAmt>11264</GrantsAndSimilarAmountsPaidAmt>
      <OtherExpensesTotalAmt>52303</OtherExpensesTotalAmt>
      <TotalExpensesAmt>63567</TotalExpensesAmt>
      <ExcessOrDeficitForYearAmt>19600</ExcessOrDeficitForYearAmt>
      <NetAssetsOrFundBalancesBOYAmt>185740</NetAssetsOrFundBalancesBOYAmt>
      <NetAssetsOrFundBalancesEOYAmt>205340</NetAssetsOrFundBalancesEOYAmt>
      <InfoInScheduleOPartIIInd>X</InfoInScheduleOPartIIInd>
      <CashSavingsAndInvestmentsGrp>
        <BOYAmt>184003</BOYAmt>
        <EOYAmt>204953</EOYAmt>
      </CashSavingsAndInvestmentsGrp>
      <OtherAssetsTotalDetail>
        <BOYAmt>1737</BOYAmt>
        <EOYAmt>387</EOYAmt>
      </OtherAssetsTotalDetail>
      <Form990TotalAssetsGrp>
        <BOYAmt>185740</BOYAmt>
        <EOYAmt>205340</EOYAmt>
      </Form990TotalAssetsGrp>
      <NetAssetsOrFundBalancesGrp>
        <BOYAmt>185740</BOYAmt>
        <EOYAmt>205340</EOYAmt>
      </NetAssetsOrFundBalancesGrp>
      <PrimaryExemptPurposeTxt>THE ORGANIZATION'S MISSION IS EXCLUSIVELY FOR CHARITABLE, RELIGIOUS AND EDUCATIONAL PURPOSES, INCLUDING, FOR SUCH PURPOSES, THE MAKING OF DISTRIBUTIONS TO ORGANIZATIONS THAT QUALIFY AS EXEMPT ORGANIZATIONS UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE, OR CORRESPONDING SECTION OF ANY FUTURE FEDERAL TAX CODE. WE ORGANIZE, RAISE FUNDS FROM SPONSORS AND THE PUBLIC TO PUT ON THE ANNUAL ST. PATRICK'S DAY PARADE IN LOUISVILLE, KY TO EDUCATE THE PUBLIC AND ADVANCE THE CAUSE OF THE IRISH CULTURE. WE OCCASIONALLY MAKE SMALL DONATIONS TO OTHER CHARITIES THAT PROMOTE IRISH CULTURE OR DO GOOD WORKS FOR THE UNDERPRIVILEDGED. WE AWARD PRIZES TO THE ANNUAL WINNER OF OUR COLORING CONTEST, NOT TO EXCEED $1,000 TOTAL ($300 GRAND PRIZE). WE MAKE OCCASIONAL, SMALL DONTAIONS TO GROUPS AND INDIVIDUALS THAT FURTHER IRISH CULTURE, NOT TO EXCEED $1,000 EACH.</PrimaryExemptPurposeTxt>
      <ProgramSrvcAccomplishmentGrp>
        <DescriptionProgramSrvcAccomTxt>THE ORGANIZATION HELD IT'S 49TH ANNUAL ST. PATRICK'S PARADE ON MARCH 12, 2022 FOR THE ENTIRE COMMUNITY OF LOUISVILLE KENTUCKY TO SUPPORT, PROMOTE AND EDUCATE IRISH CULTURE WITHIN THE COMMUNITY. ATTENDANCE WAS ESTIMATED TO BE IN EXCESS OF 100,000 PARTICIPANTS AND SPECTATORS.</DescriptionProgramSrvcAccomTxt>
        <ProgramServiceExpensesAmt>51044</ProgramServiceExpensesAmt>
      </ProgramSrvcAccomplishmentGrp>
      <TotalProgramServiceExpensesAmt>51044</TotalProgramServiceExpensesAmt>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>GARY PHELPS</PersonNm>
        <TitleTxt>MARSHALL</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>10.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>JAMES P SADLO</PersonNm>
        <TitleTxt>Chairman</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>10.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>TOM GALLE</PersonNm>
        <TitleTxt>Secretary</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>4.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>TIM QUINN</PersonNm>
        <TitleTxt>Treasurer</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>10.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>ADAM MCHONE</PersonNm>
        <TitleTxt>SENTINEL</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>4.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>PAUL CHAMBERLAIN</PersonNm>
        <TitleTxt>SOCIAL CHAIRMAN</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>6.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>TIMOTHY L MCMONIGAL</PersonNm>
        <TitleTxt>FINANCIAL SECR</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>6.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>PATRICK DUNLEVY</PersonNm>
        <TitleTxt>VICE CHAIRMAN</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>6.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
      <ChgMadeToOrgnzngDocNotRptInd>false</ChgMadeToOrgnzngDocNotRptInd>
      <OrganizationHadUBIInd>false</OrganizationHadUBIInd>
      <SubjectToProxyTaxInd>false</SubjectToProxyTaxInd>
      <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
      <Form1120PolFiledInd>false</Form1120PolFiledInd>
      <MadeLoansToFromOfficersInd>false</MadeLoansToFromOfficersInd>
      <TaxImposedUnderIRC4911Amt>0</TaxImposedUnderIRC4911Amt>
      <TaxImposedUnderIRC4912Amt>0</TaxImposedUnderIRC4912Amt>
      <TaxImposedUnderIRC4955Amt>0</TaxImposedUnderIRC4955Amt>
      <EngagedInExcessBenefitTransInd>false</EngagedInExcessBenefitTransInd>
      <TaxImposedOnOrganizationMgrAmt>0</TaxImposedOnOrganizationMgrAmt>
      <TaxReimbursedByOrganizationAmt>0</TaxReimbursedByOrganizationAmt>
      <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
      <StatesWhereCopyOfReturnIsFldCd>KY</StatesWhereCopyOfReturnIsFldCd>
      <BooksInCareOfDetail>
        <PersonNm>TIMOTHY J QUINN</PersonNm>
        <USAddress>
          <AddressLine1Txt>2000 LANCASHIRE AVE 202</AddressLine1Txt>
          <CityNm>LOUISVILLE</CityNm>
          <StateAbbreviationCd>KY</StateAbbreviationCd>
          <ZIPCd>40205</ZIPCd>
        </USAddress>
        <PhoneNum>5023338617</PhoneNum>
      </BooksInCareOfDetail>
      <ForeignFinancialAccountInd>false</ForeignFinancialAccountInd>
      <ForeignOfficeInd>false</ForeignOfficeInd>
      <DonorAdvisedFndsInd>false</DonorAdvisedFndsInd>
      <OperateHospitalInd>false</OperateHospitalInd>
      <TanningServicesProvidedInd>false</TanningServicesProvidedInd>
      <RelatedOrganizationCtrlEntInd>false</RelatedOrganizationCtrlEntInd>
      <TransactionWithControlEntInd>false</TransactionWithControlEntInd>
      <PoliticalCampaignActyInd>false</PoliticalCampaignActyInd>
      <LobbyingActivitiesInd>false</LobbyingActivitiesInd>
      <SchoolOperatingInd>false</SchoolOperatingInd>
      <TrnsfrExmptNonChrtblRltdOrgInd>false</TrnsfrExmptNonChrtblRltdOrgInd>
      <PartVIOfCompOfHghstPdEmplTxt>NONE</PartVIOfCompOfHghstPdEmplTxt>
      <PartVIHghstPdCntrctProfSrvcTxt>NONE</PartVIHghstPdCntrctProfSrvcTxt>
      <FiledScheduleAInd>true</FiledScheduleAInd>
    </IRS990EZ>
    <IRS990ScheduleA documentId="IRS990ScheduleA" softwareId="23017517" softwareVersionNum="2023v5.0">
      <PubliclySupportedOrg509a2Ind>X</PubliclySupportedOrg509a2Ind>
      <GiftsGrantsContrisRcvd509Grp>
        <CurrentTaxYearMinus4YearsAmt>4469</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>1613</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>70</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>4218</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>7962</CurrentTaxYearAmt>
        <TotalAmt>18332</TotalAmt>
      </GiftsGrantsContrisRcvd509Grp>
      <GrossReceiptsAdmissionsGrp>
        <CurrentTaxYearMinus4YearsAmt>87494</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>67736</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>19905</CurrentTaxYearMinus2YearsAmt>
        <TotalAmt>175135</TotalAmt>
      </GrossReceiptsAdmissionsGrp>
      <GrossReceiptsNonUnrltBusGrp>
        <TotalAmt>0</TotalAmt>
      </GrossReceiptsNonUnrltBusGrp>
      <TaxRevLeviedOrgnztnlBnft509Grp>
        <TotalAmt>0</TotalAmt>
      </TaxRevLeviedOrgnztnlBnft509Grp>
      <GovtFurnSrvcFcltsVl509Grp>
        <TotalAmt>0</TotalAmt>
      </GovtFurnSrvcFcltsVl509Grp>
      <Total509Grp>
        <CurrentTaxYearMinus4YearsAmt>91963</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>69349</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>19975</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>4218</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>7962</CurrentTaxYearAmt>
        <TotalAmt>193467</TotalAmt>
      </Total509Grp>
      <AmountsRcvdDsqlfyPersonGrp>
        <TotalAmt>0</TotalAmt>
      </AmountsRcvdDsqlfyPersonGrp>
      <SubstantialContributorsAmtGrp>
        <TotalAmt>0</TotalAmt>
      </SubstantialContributorsAmtGrp>
      <PublicSupportTotal509Amt>193467</PublicSupportTotal509Amt>
      <GrossInvestmentIncome509Grp>
        <CurrentTaxYearMinus4YearsAmt>3880</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>3159</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>3301</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>2814</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>7642</CurrentTaxYearAmt>
        <TotalAmt>20796</TotalAmt>
      </GrossInvestmentIncome509Grp>
      <Post1975UBTIGrp>
        <TotalAmt>0</TotalAmt>
      </Post1975UBTIGrp>
      <InvestmentIncomeAndUBTIGrp>
        <CurrentTaxYearMinus4YearsAmt>3880</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>3159</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>3301</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>2814</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>7642</CurrentTaxYearAmt>
        <TotalAmt>20796</TotalAmt>
      </InvestmentIncomeAndUBTIGrp>
      <NetIncomeFromOtherUBIGrp>
        <TotalAmt>0</TotalAmt>
      </NetIncomeFromOtherUBIGrp>
      <OtherIncome509Grp>
        <TotalAmt>0</TotalAmt>
      </OtherIncome509Grp>
      <TotalSupportCalendarYearGrp>
        <CurrentTaxYearMinus4YearsAmt>95843</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>72508</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>23276</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>7032</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>15604</CurrentTaxYearAmt>
        <TotalAmt>214263</TotalAmt>
      </TotalSupportCalendarYearGrp>
      <PublicSupportCY509Pct>0.90290</PublicSupportCY509Pct>
      <PublicSupportPY509Pct>0.94240</PublicSupportPY509Pct>
      <InvestmentIncomeCYPct>0.09710</InvestmentIncomeCYPct>
      <InvestmentIncomePYPct>0.05760</InvestmentIncomePYPct>
      <ThirtyThrPctSuprtTestsCY509Ind>X</ThirtyThrPctSuprtTestsCY509Ind>
    </IRS990ScheduleA>
    <IRS990ScheduleG documentId="IRS990ScheduleG" softwareId="23017517" softwareVersionNum="2023v5.0">
      <FundraisingEventInformationGrp>
        <Event1Nm>IRISH GOLF FOR KIDS</Event1Nm>
        <GrossReceiptsEvent1Amt>20993</GrossReceiptsEvent1Amt>
        <CharitableContriEvent1Amt>1416</CharitableContriEvent1Amt>
        <GrossRevenueEvent1Amt>19577</GrossRevenueEvent1Amt>
        <FoodAndBeverageEvent1Amt>2514</FoodAndBeverageEvent1Amt>
        <OtherDirectExpensesEvent1Amt>6699</OtherDirectExpensesEvent1Amt>
        <Event2Nm>WEARIN OF THE GREEN</Event2Nm>
        <GrossReceiptsEvent2Amt>19297</GrossReceiptsEvent2Amt>
        <GrossRevenueEvent2Amt>19297</GrossRevenueEvent2Amt>
        <FoodAndBeverageEvent2Amt>8679</FoodAndBeverageEvent2Amt>
        <OtherDirectExpensesEvent2Amt>3072</OtherDirectExpensesEvent2Amt>
        <GrossReceiptsTotalAmt>40290</GrossReceiptsTotalAmt>
        <CharitableContributionsTotAmt>1416</CharitableContributionsTotAmt>
        <GrossRevenueTotalEventsAmt>38874</GrossRevenueTotalEventsAmt>
        <FoodAndBeverageTotalEventsAmt>11193</FoodAndBeverageTotalEventsAmt>
        <OthDirectExpnssTotalEventsAmt>9771</OthDirectExpnssTotalEventsAmt>
        <DirectExpenseSummaryEventsAmt>20964</DirectExpenseSummaryEventsAmt>
        <NetIncomeSummaryAmt>17910</NetIncomeSummaryAmt>
      </FundraisingEventInformationGrp>
    </IRS990ScheduleG>
    <IRS990ScheduleO documentId="IRS990ScheduleO" softwareId="23017517" softwareVersionNum="2023v5.0">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Grants and Similar Amounts Paid In Excess of $5,000.1</FormAndLineReferenceDesc>
        <ExplanationTxt>| Donee's Name: FATHER MALONEYS BOYS &amp;GIRLS HAVEN 501C3 | Donee's Address: 2301 GOLDSMITH LN LOUISVILLE KY 40218 | Cash Amount Given: $7500</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Other Expenses.1012</FormAndLineReferenceDesc>
        <ExplanationTxt>Insurance $798</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Other Expenses.1</FormAndLineReferenceDesc>
        <ExplanationTxt>PARADE EXPENSES $51044</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Other Expenses.2</FormAndLineReferenceDesc>
        <ExplanationTxt>MISCELLANEOUS $361</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Other Expenses.3</FormAndLineReferenceDesc>
        <ExplanationTxt>MEMBERSHIP-HIGHLANDS COMMERC $100</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Other Assets.1011</FormAndLineReferenceDesc>
        <ExplanationTxt>Prepaid Expenses and Deferred Charges - Beginning $1240 Prepaid Expenses and Deferred Charges - Ending $387</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Other Assets.1</FormAndLineReferenceDesc>
        <ExplanationTxt>AFFILIATES - Beginning $-3 AFFILIATES - Ending $0</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Other Assets.2</FormAndLineReferenceDesc>
        <ExplanationTxt>DEPOSITS - Beginning $500 DEPOSITS - Ending $0</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>
