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                                                                    Exhibit 10.6

                     [BANKERS' BANK OF THE WEST LETTERHEAD]


                                                         August 25, 1998

  Brigette Howorko, Senior Vice President FirstState Bank
  PO Box 33089
  Northglenn, CO 80234

  Dear Ms. Howorko;

  We are pleased to inform you Bankers' Bank of the West (BBW) has approved the
  renewal of the Federal Funds purchase line for FirstState Bank on an unsecured
  basis with a maturity of 8/31/99. All federal funds purchase lines are
  accessible as funds are available. The maximum amount of the established line
  is $7,200,000.00. All Federal Funds lines are subject to quarterly review as
  well as annual renewal, and terms may be altered in the event of a significant
  change in the financial condition of the bank. Please continue to provide BBW
  with Call Reports on a quarterly basis.

  BBW's policy of the sale of funds to respondent banks is outlined in our
  Federal Funds Sale Agreement, a copy of which should be in your file Once
  executed, the signed agreement is continuing in nature and need not be
  re-executed annually. Your bank should keep this annual re-approval letter in
  your file as well.

  The staff at BBW is pleased to provide this service to your bank. Should you
  have any questions or need additional service, please feel free to call me.


  Sincerely,

  /s/ Dale W. Utley

  Dale W. Utley
  Senior Vice President