Interest rates are very low right now and at Valley Bank we invite you to take advantage of these low rates. We can assist you with home purchases or refinancing your old loan! And first time homebuyers, don't forget we still have grant money available to assist you with down payments and closing costs. This is the time to realize your dream of owning your own home. Call us today at 228-4364, e-mail us at info@valleybankglasgow.com or stop by and see us at Valley Bank in Glasgow, an equal housing lender.

**Valley Bank Of Glasgow Receives Superior Rating
As One Of The Best Banks In The Nation**

Valley Bank of Glasgow has been awarded BAUERFINANCIAL's SUPERIOR rating, the highest rating awarded. BAUERFINANCIAL Reports, Inc., the nation’s leading bank research firm, recognizes Valley Bank of Glasgow’s Superior strength and performance through this prestigious rating.

The rating is based on an analysis of current financial data as filed by Valley Bank of Glasgow with federal regulators, supplemented by historical data.

"It's a pleasure to award Valley Bank of Glasgow a 5-star SUPERIOR rating," said Paul A. Bauer, president of the research firm. "Valley Bank of Glasgow exemplifies the best in community banking - strength, safety and commitment to its community and customers."

"Big banks come and go," he continued, "while community banks, like Valley Bank of Glasgow, stand the test of time and commitment. With its success hinged to that of its community, it is only logical that Valley Bank of Glasgow put its community's needs in the forefront of its business plan. That common sense dedication is what distinguishes Valley Bank of Glasgow from 'just another bank.'"