function fwLoadMenus() {
  if (window.fw_menu_0) return;
  
    window.fw_menu_0_1_1 = new Menu("2001 Annual Report",270,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
    fw_menu_0_1_1.addMenuItem("2001 Financial Highlights","location='/ii_highlights.html'");
    fw_menu_0_1_1.addMenuItem("2001 Dear Shareholders","location='/ii_shareholders.html'");
    fw_menu_0_1_1.addMenuItem("2001 Consolidated Balance Sheets","location='/ii_balance.html'");
    fw_menu_0_1_1.addMenuItem("2001 Consolidated Statements of Income","location='/ii_income.html'");
    fw_menu_0_1_1.addMenuItem("2001 Shareholder Information","location='ii_information.html'");
     fw_menu_0_1_1.fontWeight="bold";
     fw_menu_0_1_1.hideOnMouseOut=true;

    window.fw_menu_0_2 = new Menu("Contact Information",180,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
    fw_menu_0_2.addMenuItem("Executive Committee","location='/contact_corporate.html'");
    fw_menu_0_2.addMenuItem("Community Contacts","location='/contact_community.html'");
     fw_menu_0_2.fontWeight="bold";
     fw_menu_0_2.hideOnMouseOut=true;

  window.fw_menu_0 = new Menu("root",144,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
  fw_menu_0.addMenuItem(fw_menu_0_2,"location='#'");
  fw_menu_0.addMenuItem("Company News","location='/prViewReleaseList.jsp'");
  fw_menu_0.addMenuItem("Our Locations","location='/locations.html'")
   fw_menu_0.fontWeight="bold";
   fw_menu_0.hideOnMouseOut=true;
   fw_menu_0.childMenuIcon="/images/arrows.gif";
  
    if (window.fw_menu_1) return;
    window.fw_menu_1_1 = new Menu("Deposit Accounts",103,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
    fw_menu_1_1.addMenuItem("Checking","location='/personal_checking.html'");
    fw_menu_1_1.addMenuItem("Savings","location='/personal_savings.html'");
    fw_menu_1_1.addMenuItem("Money Market","location='/personal_mm.html'");
    fw_menu_1_1.addMenuItem("CDs","location='/personal_cds.html'");
    fw_menu_1_1.addMenuItem("IRAs","location='/personal_iras.html'");
    fw_menu_1_1.addMenuItem("Debit Card","location='/personal_debit.html'");
     fw_menu_1_1.fontWeight="bold";
     fw_menu_1_1.hideOnMouseOut=true;
    window.fw_menu_1_2 = new Menu("Personal Loans",179,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
    fw_menu_1_2.addMenuItem("Consumer Loans","location='/personal_loans.html'");
    fw_menu_1_2.addMenuItem("Mortgages","location='/personal_mortgages.html'");
    fw_menu_1_2.addMenuItem("Home Equity Lines of Credit","location='/personal_heloc.html'");
     fw_menu_1_2.fontWeight="bold";
     fw_menu_1_2.hideOnMouseOut=true;
  window.fw_menu_1 = new Menu("root",123,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
  fw_menu_1.addMenuItem(fw_menu_1_1,"location='#'");
  fw_menu_1.addMenuItem("Internet Banking","location='/personal_ib.html'");
  fw_menu_1.addMenuItem(fw_menu_1_2,"location='#'");
  fw_menu_1.addMenuItem("Credit Cards","location='/exit_credit_card.html'");
   fw_menu_1.fontWeight="bold";
   fw_menu_1.hideOnMouseOut=true;
   fw_menu_1.childMenuIcon="/images/arrows.gif";
  

  window.fw_menu_2_1 = new Menu("Deposit Accounts",103,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
    fw_menu_2_1.addMenuItem("Checking","location='/business_checking.html'");
    fw_menu_2_1.addMenuItem("Savings","location='/business_savings.html'");
    fw_menu_2_1.addMenuItem("Money Market","location='/business_mm.html'");
    fw_menu_2_1.addMenuItem("CDs","location='/business_cds.html'");
     fw_menu_2_1.fontWeight="bold";
     fw_menu_2_1.hideOnMouseOut=true;
  window.fw_menu_2 = new Menu("root",131,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
  fw_menu_2.addMenuItem(fw_menu_2_1,"location='#'");
     fw_menu_2.addMenuItem("Internet Banking","location='/business_ib.html'");
  fw_menu_2.addMenuItem("Business Loans","location='/business_loans.html'");
  fw_menu_2.addMenuItem("Re$ubmitIt®","location='/resubmit_detail.html'");
  
  fw_menu_2.addMenuItem("Corporate Services","location='/corporate_services.html'");
  fw_menu_2.addMenuItem("Credit Cards","location='/exit_credit_card.html'");
   fw_menu_2.fontWeight="bold";
   fw_menu_2.hideOnMouseOut=true;
   fw_menu_2.childMenuIcon="/images/arrows.gif";
   
   
  window.fw_menu_3 = new Menu("root",110,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
  fw_menu_3.addMenuItem("Calculators","location='/calculators.htm'");
  fw_menu_3.addMenuItem("Check Orders","location='/exit_deluxe.html'");
  fw_menu_3.addMenuItem("Credit Reports","location='/exit_equifax.html'");
   fw_menu_3.fontWeight="bold";
   fw_menu_3.hideOnMouseOut=true;
   
  window.fw_menu_4 = new Menu("root",130,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
  fw_menu_4.addMenuItem("Trust Services","location='#'");
  fw_menu_4.addMenuItem("Investment Services","location='#'");
   fw_menu_4.fontWeight="bold";
   fw_menu_4.hideOnMouseOut=true;   
   
  window.fw_menu_5 = new Menu("root",130,17,"Geneva, Arial, Helvetica, san-serif",11,"#000066","#ffffff","#fdfdea","#000084");
  fw_menu_5.addMenuItem("Identity Protection Plus","location='/exit_idprotection.html'");
  fw_menu_5.addMenuItem("DeluxeCardŽ VisaŽ Gift Card","location='/exit_giftcard.html'");
  fw_menu_5.addMenuItem("24-Hour Flexcard","location='/personal_debit.html'");
  fw_menu_5.addMenuItem("Home Equity Line","location='/personal_heloc.html'");
  fw_menu_5.addMenuItem("Free Checking","location='/personal_checking.html'");
  fw_menu_5.addMenuItem("Re$ubmitIt®","location='/resubmit_detail.html'");
  //fw_menu_5.addMenuItem("Investment Services","location='#'");
   fw_menu_5.fontWeight="bold";
   fw_menu_5.hideOnMouseOut=true;
  
   fw_menu_4.writeMenus();
  
  
} // fwLoadMenus()