Exhibit 3


Section 8. Number of directors, membership. The board of directors shall consist
of  eight  members.  Each  director  shall be a member  of the  Mutual  Company.
Directors  shall be divided  into three  classes as nearly as equal in number as
possible.  The  members of each class shall be elected for a term of three years
and until their successors are elected and qualified. One class shall be elected
by ballot annually.