Federal Deposit
Insurance Corporation

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FEDERAL DEPOSIT INSURANCE CORPORATION

Determination of Insufficient Assets To Satisfy All Claims of
Financial Institution in Receivership

AGENCY: Federal Deposit Insurance Corporation.

ACTION: Notice.

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SUMMARY: The Federal Deposit Insurance Corporation FDIC has
determined that the proceeds that can be realized from the liquidation
of assets of the receivership listed in SUPPLEMENTARY INFORMATION are
insufficient to wholly satisfy the priority claims of depositors
against the receivership estate. Therefore, upon satisfaction of
secured claims, depositor claims, and claims which have priority over
depositors under applicable law, no amount will remain or will be
recovered sufficient to allow a dividend, distribution, or payment to
any creditor of lesser priority, including but not limited to claims of
general creditors. Any such claims are hereby determined to be
worthless.

FOR FURTHER INFORMATION CONTACT: Thomas Bolt, Counsel, Legal Division,
FDIC, 550 17th Street, NW., Room H-11052, Washington, DC 20429.
Telephone: (202) 736-0168.

SUPPLEMENTARY INFORMATION:

Financial Institution In Receivership Determined To Have Insufficient
Assets To Satisfy All Claims

FIN 4637, First National Bank of Keystone, Keystone, West Virginia.

Dated: October 4, 2002.