The North Country Savings Bank


                                                September 22, 1993


Russell or Heather Nelson
11 Grant Street
Potsdam, New York  13676

Dear Mr. or Mrs. Nelson:

We wish to extend to you our congratulations on having paid
your mortgage in full.

Enclosed please find the following papers:

        1.  Abstract of Title #102841
        2.  Deed
        3.  Mortgage
        4.  Note
        5.  Recorded Discharge of Mortgage

Please advise your fire insurance agent to remove the name of
the bank from your policy.

It has been a pleasure to have been of service to you.
If you are ever in need to financial asistance in the
future, we would welcome the opportunity to serve you
again.

                                  Very truly yours,




                                  John R. Durkin
                                  Sr. Vice President

JRD:jhs