Friday, January 1	New Year's Day
Monday, January 18	Martin Luther King, Jr. Day
Monday, February 15	Presidents' Day
Monday, May 31	Memorial Day
Monday, July 5	Independence Day
Monday, September 6	Labor Day
Monday, October 11	Columbus Day
Thursday, November 11	Veterans Day
Thursday, November 25	Thanksgiving Day
Saturday, December 25	Christmas Day

FNBB, Inc. and its subsidiaries follow the Federal Reserve Holiday Schedule.

*  For holidays falling on Saturday, Federal Reserve Banks and branches and FNBB, Inc. will be open the preceeding Friday.

** For holidays falling on Sunday, all Federal Reserve offices and FNBB, Inc. will be closed the following Monday.