ORDER OF PROHIBITION

WHEREAS, Mary G. Huggins has executed a Stipulation and Consent to Issuance of Order of Prohibition, which is accepted and approved by the National Credit Union Administration acting through its counsel; and

WHEREAS, Mary G. Huggins, in the Stipulation has consented and agreed to the issuance of this Order of Prohibition pursuant to Section 206(g) of the Federal Credit Union Act. 12 U.S.C. §1786(g), and Part 747 of the National Credit Union Administration Rules and Regulations,

NOW THEREFORE, IT IS ORDERED THAT:

1. Marv G. Huggins is an institution-affiliated party in that she was a commercial loan officer of the Charleston Naval Shipyard Federal Credit Union, located in Charleston, South Carolina.

2. The Stipulation and Consent to the Issuance of this Order of Prohibition is made a part hereof and is incorporated herein by reference.

3. Mary G. Huggins is prohibited from participating in any manner in the conduct of the affairs of any federally insured credit union and any other institution as defined in 12 U.S.C. §1786(g)(7).

4. This Order of Prohibition shall be effective on the date it is issued.

ALONZO A. SWANN III

Director, Region III

National Credit Union Administration

The National Credit Union Administration Board by and through its undersigned counsel, and Mary G. Huggins, a former commercial loan officer of the Charleston Naval Shipyard Federal Credit Union, Charleston, South Carolina, hereby stipulate and agree as follows:

1. Consideration. The National Credit Union Administration is of the opinion that grounds exist to initiate an administrative prohibition against Mary G. Huggins pursuant to Section 206 of the Federal Credit Union Act, 12 U.S.C. §1786. Mary G. Huggins desires to avoid the time, cost and expense of administrative litigation and hereby stipulates and agrees to the following terms in consideration of the forbearance of the National Credit Union Administration Board from conducting an administrative hearing and imposing other remedial sanctions against her.

2. Jurisdiction.

(a) Mary G. Huggins is an "institution-affiliated party" within the meaning of Section 206(r) of the Federal Credit Union Act. 12 U.S.C. §1786(r).

(b) Pursuant to the authority vested in the Board of the National Credit Union Administration under Section 206(g) of the Federal Credit Union Act,. 12 U.S.C. §1786(c,), and Part 747 of the National Credit Union Administration Rules and Regulations, it is an appropriate federal agency to maintain enforcement proceedings against such institution-affiliated party. Therefore, Mary G. Huggins is subject to the authority of the National Credit Union Administration to initiate and maintain prohibition proceedings against her.

3. Consent. Mary G. Huggins consents to the issuance by the National Credit Union Administration Board of the accompanying Order of Prohibition. She further agrees to comply with its terms upon issuance and stipulates that the Order complies with all requirements of the law.

4. Waivers. Mary G. Huggjns waives her right to the administrative hearing provided for in Section 206(g)(4) of the Federal Credit Union Act, 12 U.S.C. §1786(g)(4). She further waives her right to seek judicial review of the Order of Prohibition or otherwise challenge the validity or legality of the Order.

5. Finality. The Order of Prohibition is issued pursuant to Section 206(g) of the Federal Credit Union Act. 12 U.S.C. §1786(g). Upon its issuance by the National Credit Union Administration Board, it shall be a final Order, effective and fully enforceable by the National Credit Union Administration.

WHEREFORE, in consideration of the foregoing, the undersigned, on behalf of the National Credit Union Administration and Mary G. Huggins, execute this Stipulation and Consent to Issuance of Order of Prohibition.

NATIONAL CREDIT UNION ADMINISTRATION

By: _____--S--______________ _____8/4/98____

Jon Canerday Date

Trial Attomev

Office of General Counsel

_______--S--_____________ ____7/30/98_____

Mary G. Huggins Date

(Notary Seal) _______--S--_________

Notary Public

My Commission expires: 7/2/2006 _____.