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        <FormAndLineReferenceDesc>PART X, LINE 2:</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CORPORATION ACCOUNTS FOR UNCERTAIN TAX POSITIONS IN ACCORDANCE WITH THE PROVISIONS OF FASB CODIFICATION TOPIC INCOME TAXES. FASB CODIFICATION TOPIC INCOME TAXES CLARIFIES THE ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES AND REQUIRES THE CORPORATION TO RECOGNIZE IN THEIR CONSOLIDATED FINANCIAL STATEMENTS THE IMPACT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN, IF THAT POSITION IS MORE LIKELY THAN NOT TO BE SUSTAINED UNDER AUDIT, BASED ON THE TECHNICAL MERITS OF THE POSITION. MANAGEMENT HAS ASSESSED THE TAX POSITIONS OF THE CORPORATION AND DETERMINED THAT NO POSITIONS EXIST THAT REQUIRE ADJUSTMENT OR DISCLOSURE UNDER THE PROVISIONS OF FASB CODIFICATION TOPIC INCOME TAXES.</ExplanationTxt>
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        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE MANAGEMENT TEAM REVIEWS THE FORM 990 FOR ACCURACY PRIOR TO FILING. THE MANAGEMENT TEAM REPORTS THAT ALL REQUIRED FILINGS HAVE BEEN MADE IN SUBSEQUENT DIRECTORS MEETINGS.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>KAY DAUGHERTY - 353 SWEEDEN WAY LANE, RUSSELLVILLE, AR 72802. WILLIE BRAXTON - 407 QUAPAW DRIVE, RUSSELLVILLE, AR 72802. ALEAH DAVIS - P.O. BOX 2022, CLARKSVILLE, AR 72830. JUDGE JIMMY HART - 2009 HWY 92 N., SPRINGFIELD, AR 72157. JOHNNIE CAROLINA - P.O. BOX 12, MORRILTON, AR 72110. JUDGE RICKEY BOWMAN - 12736 CRAVENS RD., OZARK, AR 72949. STEVE HUBBARD - 2407 W. 3RD PLACE, RUSSELLVILLE, AR 72801. MARK THONE - 10034 PAR STREET, DARDANELLE, AR 72834. CHRIS GEORGE - 10512 N. ST. HWY. 28, DANVILLE, AR 72833. BEVERLY MASSEY - 301 E 3RD STREET, RUSSELLVILLE, AR 72801. BILL TUCKER - 301 E 3RD STREET, RUSSELLVILLE, AR 72801.</ExplanationTxt>
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</Return>