Notes to Consolidated Financial Statements
for the Three Years in the Period Ended June 30, 1999

5. INVESTMENTS IN JOINT VENTURES

The Bank has invested in joint ventures through its subsidiary, Home Savings Corporation ("HSC"). The investments, including loans, are accounted for by the equity method. The Bank's interest in these investments is as follows: (in thousands)

Summarized, condensed, unaudited financial statements for these joint ventures are as follows: (in thousands)

The notes payable included $5.2 million and $2.9 million due to HSC and $140,000 and $143,000 due to the Bank at June 30, 1999 and 1998, respectively. At June 30, 1999 and 1998, open commitments to these joint ventures included letters of credit totaling $1.6 million and $1.3 million, respectively.

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