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      <FSAuditedInd>true</FSAuditedInd>
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      <OtherLiabilitiesOrgGrp>
        <Desc>APPLICATION DEPOSITS</Desc>
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      <FootnoteTextInd>X</FootnoteTextInd>
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      <ExpensesSubtotalAmt>336401</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>336401</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE D, PAGE 3, PART X</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CORPORATION IS A NOT-FOR-PROFIT ORGANIZATION THAT IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(A) OF THE INTERNAL REVENUE CODE. THE CORPORATION HAS BEEN CLASSIFIED AS AN ORGANIZATION THAT IS NOT A PRIVATE FOUNDATION UNDER SECTION 501(C)(4).</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE 990 IS REVIEWED WITH THE BOARD OF DIRECTORS AT A BOARD MEETING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD MEMBERS AND STAFF ARE REQUIRED TO COMPLETE A CONFLICT OF INTEREST FORM ANNUALLY FOR REVIEW BY THE ORGANIZATION'S PRESIDENT AND BOARD OF DIRECTORS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD DETERMINES THE PRESIDENT'S SALARY. THEY CONSIDER SURVEY DATA FROM AN ASSOCIATION OF LIKE ORGANIZATIONS IN DETERMINING THE APPROPRIATE LEVEL OF COMPENSATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD DETERMINES THE OTHER OFFICERS- AND KEY EMPLOYEES' SALARIES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THESE RECORDS ARE NOT MADE AVAILABLE TO THE PUBLIC.</ExplanationTxt>
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</Return>