To our stockholders:

                     - To deliver the highest possible return of investments.

   To our cutomers:

                     - To provide quality and cutomer-friendly services.

   To its Officers:

                     - To provide mutually rewarding opportunities to lead 

                       bank to strategic direction and recognition.

   To its Employees:

                     - To provide carrer development and growth through

                       mutually satisfying achievement.

   To our Partners:

                     - To be grateful and reliable ally for beneficial 

                       relationship and linkages.

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TO BE VIABLE, STABLE AND TRUSTWORTHY.