First Federal Savings & Loan

First Federal, originally founded in 1905, is a federally chartered stock savings and loan association headquartered in Independence, Kansas. Its deposits are insured up to the maximum allowable amount by the Federal Deposit Insurance Corporation (the "FDIC"). First Federal serves Montgomery, Crawford and Wilson Counties and the eastern part of Chautauqua County in Kansas through its main office located at Sixth and Myrtle, Independence, Kansas and three full service branches located at McArthur and Eleventh, Coffeyville, Kansas, First & Broadway, Pittsburg, Kansas and Eighth and Main, Neodesha, Kansas. First Federal also maintains a loan production office in leased space in Lawrence, Kansas which is approximately 150 miles North of Independence. First Federal has been, and intends to continue to be, a community-oriented financial institution offering a variety of financial services to meet the needs of the communities it serves. The Association attracts deposits from the general public and uses such deposits, together with borrowings and other funds, to originate one-to-four family residential mortgage loans. To a much lesser extent, the Association also originates loans secured by multi-family real estate and construction loans. The Association also invests in mortgage-backed securities which are insured by or guaranteed by federal agencies, in securities issued by the U.S. government or agencies thereof and in other investment securities.