HIGHEST SAVINGS YIELDS

Highest yields reported by federally insured banks and thrifts as of July 3 based on the lowest minimum deposit to open an account. National average based on yields offered by 100 largest banks and thrifts in the 10 largest markets. Southern California averages based on yields offered by 10 largest area banks and thrifts.

MONEY MARKET ACCOUNT National average: 6.16 S. California average: 5.79 First Signature B&T;, Portsmouth, NH: 8.31 Metro. Bank for Svgs, Arlington, VA: 8.31 Capitol Bank & Trust, Boston, MA: 8.30 First Dep Natl Bk, Tilton, NH: 8.27 Key Bank USA, Albany, NY: 8.25 6-MONTH CD* National average: 7.91 S. California average: 8.04 Maine Svgs Bank, Portland, ME: 8.89 Columbia S&L;, Irvine, CA: 8.87 Citytrust, Bridgeport, CT: 8.84 Heritage Svgs Bank, Richmond, VA: 8.82 Imperial Fed Svgs, San Diego, CA: 8.77

*Assumes re-investment of six-month CD at same rate to earn yield shown. 1-YEAR CD National average: 8.10 S. California average: 8.29 Citytrust, Bridgeport, CT: 9.11 Heritage Svgs Bank, Richmond, VA: 9.04 Maine Svgs Bank, Portland, ME: 9.00 Homestead Svgs, Millbrae, CA: 9.00 Sentry Federal Savings, Norfolk, VA: 8.98 2 1/2-YEAR CD National average: 8.10 S. California average: 8.21 Maine Svgs Bank, Portland, ME: 9.00 Calif. Thrift&Loan;, Santa Barbara, CA: 8.89 First Dep Natl Bk, Tilton, NH: 8.87 Citibank/SD, Sioux Falls, SD: 8.86 The Bank Mart, Trumbull, CT: 8.84 5-YEAR CD National average: 8.17 S. California average: 8.09 Eastern Svgs Bank, Hunt Valley, MD: 9.00 First Trade Union Svgs, Boston, MA: 8.93 NVR Svgs Bank, McLean, VA: 8.90 Calif. Thrift&Loan;, Santa Barbara, CA: 8.89 Maine Svgs Bank, Portland, ME: 8.89

SOURCE: 100 Highest Yields, Bank Rate Monitor, N. Palm Beach, Fla. 33408