Y2K

April 1, 1999

Ref: Y2K Testing

Dear Customer,

We are pleased to advise Bay Country Financial Services just completed an exhaustive study and test on both the software and hardware for the year 2000.

The tests were very conclusive and revealed we are Y2K compliant.

Our outside vendors and computer personnel assisted us in our compliance testing with no obvious exceptions noted.

We appreciate your continued confidence in Bay Country Financial Services and want to assure you we are actively responding both to the present and future needs concerning the integrity and security of our financial information system's network.

Thank you,
Jerome G. Brewis
CEO/President JGB/dlb