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<Return xmlns="http://www.irs.gov/efile" returnVersion="2011v1.2">
  <ReturnHeader binaryAttachmentCount="0">
    <Timestamp>2012-05-14T13:45:39-05:00</Timestamp>
    <TaxPeriodEndDate>2011-12-31</TaxPeriodEndDate>
    <PreparerFirm>
      <PreparerFirmBusinessName>
        <BusinessNameLine1>Engle Accounting Services Inc</BusinessNameLine1>
      </PreparerFirmBusinessName>
      <PreparerFirmUSAddress>
        <AddressLine1>6745 Interurban</AddressLine1>
        <City>Wichita</City>
        <State>KS</State>
        <ZIPCode>672041323</ZIPCode>
      </PreparerFirmUSAddress>
    </PreparerFirm>
    <ReturnType>990</ReturnType>
    <TaxPeriodBeginDate>2011-01-01</TaxPeriodBeginDate>
    <Filer>
      <EIN>480794854</EIN>
      <Name>
        <BusinessNameLine1>Heart Ministries Inc</BusinessNameLine1>
      </Name>
      <NameControl>HEAR</NameControl>
      <USAddress>
        <AddressLine1>PO Box 2068</AddressLine1>
        <City>Hutchinson</City>
        <State>KS</State>
        <ZIPCode>67504</ZIPCode>
      </USAddress>
    </Filer>
    <Officer>
      <Name>Bill Cowell</Name>
      <Title>president</Title>
      <Phone>6204636112</Phone>
      <DateSigned>2012-04-30</DateSigned>
      <AuthorizeThirdParty>false</AuthorizeThirdParty>
    </Officer>
    <Preparer>
      <Name>Wilma E Engle</Name>
      <Phone>3168383065</Phone>
      <DatePrepared>2012-05-14</DatePrepared>
    </Preparer>
    <TaxYear>2011</TaxYear>
    <BuildTS>2016-02-24 21:20:13Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCount="7">
    <IRS990 documentId="990">
      <NameOfPrincipalOfficerPerson>Carole Cowell</NameOfPrincipalOfficerPerson>
      <GrossReceipts>437988</GrossReceipts>
      <GroupReturnForAffiliates>false</GroupReturnForAffiliates>
      <Organization501c3>X</Organization501c3>
      <TypeOfOrganizationCorporation>X</TypeOfOrganizationCorporation>
      <YearFormation>1969</YearFormation>
      <StateLegalDomicile>KS</StateLegalDomicile>
      <ActivityOrMissionDescription>To provide a loving Christian home environment for troubled girls so that they can develop socially and emotionally while getting an excellent education</ActivityOrMissionDescription>
      <NbrVotingMembersGoverningBody>9</NbrVotingMembersGoverningBody>
      <NbrIndependentVotingMembers>9</NbrIndependentVotingMembers>
      <TotalNbrEmployees>26</TotalNbrEmployees>
      <TotalNbrVolunteers>3</TotalNbrVolunteers>
      <TotalGrossUBI>0</TotalGrossUBI>
      <NetUnrelatedBusinessTxblIncome>0</NetUnrelatedBusinessTxblIncome>
      <ContributionsGrantsPriorYear>434738</ContributionsGrantsPriorYear>
      <ContributionsGrantsCurrentYear>437988</ContributionsGrantsCurrentYear>
      <ProgramServiceRevenueCY>0</ProgramServiceRevenueCY>
      <InvestmentIncomePriorYear>3</InvestmentIncomePriorYear>
      <InvestmentIncomeCurrentYear>0</InvestmentIncomeCurrentYear>
      <OtherRevenueCurrentYear>0</OtherRevenueCurrentYear>
      <TotalRevenuePriorYear>434741</TotalRevenuePriorYear>
      <TotalRevenueCurrentYear>437988</TotalRevenueCurrentYear>
      <GrantsAndSimilarAmntsCY>0</GrantsAndSimilarAmntsCY>
      <BenefitsPaidToMembersCY>0</BenefitsPaidToMembersCY>
      <SalariesEtcPriorYear>222706</SalariesEtcPriorYear>
      <SalariesEtcCurrentYear>243618</SalariesEtcCurrentYear>
      <TotalProfFundrsngExpCY>0</TotalProfFundrsngExpCY>
      <TotalFundrsngExpCurrentYear>23347</TotalFundrsngExpCurrentYear>
      <OtherExpensePriorYear>179346</OtherExpensePriorYear>
      <OtherExpensesCurrentYear>197326</OtherExpensesCurrentYear>
      <TotalExpensesPriorYear>402052</TotalExpensesPriorYear>
      <TotalExpensesCurrentYear>440944</TotalExpensesCurrentYear>
      <RevenuesLessExpensesPriorYear>32689</RevenuesLessExpensesPriorYear>
      <RevenuesLessExpensesCY>-2956</RevenuesLessExpensesCY>
      <TotalAssetsBOY>1686827</TotalAssetsBOY>
      <TotalAssetsEOY>1685272</TotalAssetsEOY>
      <TotalLiabilitiesBOY>167267</TotalLiabilitiesBOY>
      <TotalLiabilitiesEOY>168668</TotalLiabilitiesEOY>
      <NetAssetsOrFundBalancesBOY>1519560</NetAssetsOrFundBalancesBOY>
      <NetAssetsOrFundBalancesEOY>1516604</NetAssetsOrFundBalancesEOY>
      <MissionDescription>To provide a loving Christian home environment for troubled girls so that they can develop socially and emotionally while getting an excellent education</MissionDescription>
      <SignificantNewProgramServices>false</SignificantNewProgramServices>
      <SignificantChange>false</SignificantChange>
      <Expense>392407</Expense>
      <Revenue>437988</Revenue>
      <Description>Services are all combined Heart Ministries provides a structural family lifestyle demonstrating Christian principles The girls participate in community events but attend our private school where each is encouraged to excell at her own individual level A home environment is provided where they study eat sleep and help with chores associated with family living They are also given the opportunity to help grow their own food and care for pets All the girls have had problems social educational or emotional Boys are allowed to attend school but do not live on the premises</Description>
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      <PoliticalActivities>false</PoliticalActivities>
      <LobbyingActivities>false</LobbyingActivities>
      <DonorAdvisedFunds>false</DonorAdvisedFunds>
      <ConservationEasements>false</ConservationEasements>
      <CollectionsOfArt>false</CollectionsOfArt>
      <CreditCounseling>false</CreditCounseling>
      <TermOrPermanentEndowments>false</TermOrPermanentEndowments>
      <ReportLandBldgEquip referenceDocumentId="990D">true</ReportLandBldgEquip>
      <ReportInvestOthSecurities>false</ReportInvestOthSecurities>
      <ReportProgRelInvest>false</ReportProgRelInvest>
      <ReportOtherAssets>false</ReportOtherAssets>
      <ReportOtherLiabilities referenceDocumentId="990D">true</ReportOtherLiabilities>
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      <ConsolidatedAuditFinancialStmt>false</ConsolidatedAuditFinancialStmt>
      <School referenceDocumentId="990E">true</School>
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      <ForeignActivities>false</ForeignActivities>
      <MoreThan5000KToOrganizations>false</MoreThan5000KToOrganizations>
      <MoreThan5000KToIndividuals>false</MoreThan5000KToIndividuals>
      <ProfessionalFundraising>false</ProfessionalFundraising>
      <FundraisingActivities>false</FundraisingActivities>
      <Gaming>false</Gaming>
      <Hospital>false</Hospital>
      <GrantsToOrganizations>false</GrantsToOrganizations>
      <GrantsToIndividuals>false</GrantsToIndividuals>
      <ScheduleJRequired>false</ScheduleJRequired>
      <TaxExemptBonds>false</TaxExemptBonds>
      <ExcessBenefitTransaction>false</ExcessBenefitTransaction>
      <PriorExcessBenefitTransaction>false</PriorExcessBenefitTransaction>
      <LoanToOfficerOrDQP referenceDocumentId="990L">true</LoanToOfficerOrDQP>
      <GrantToRelatedPerson>false</GrantToRelatedPerson>
      <BsnssRltnshpWithOrganization>false</BsnssRltnshpWithOrganization>
      <BsnssRltnshpThruFamilyMember>false</BsnssRltnshpThruFamilyMember>
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      <DeductibleNonCashContributions>false</DeductibleNonCashContributions>
      <DeductibleContributionsOfArt>false</DeductibleContributionsOfArt>
      <Terminated>false</Terminated>
      <PartialLiquidation>false</PartialLiquidation>
      <DisregardedEntity>false</DisregardedEntity>
      <RelatedEntity>false</RelatedEntity>
      <RelatedOrgControlledEntity>false</RelatedOrgControlledEntity>
      <TransactionRelatedEntity>false</TransactionRelatedEntity>
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      <ScheduleORequired>true</ScheduleORequired>
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      <NumberW2GIncluded>0</NumberW2GIncluded>
      <ComplianceWithBackupWitholding>true</ComplianceWithBackupWitholding>
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      <EmploymentTaxReturnsFiled>true</EmploymentTaxReturnsFiled>
      <UnrelatedBusinessIncome>false</UnrelatedBusinessIncome>
      <ForeignFinancialAccount>false</ForeignFinancialAccount>
      <ProhibitedTaxShelterTrans>false</ProhibitedTaxShelterTrans>
      <TaxablePartyNotification>false</TaxablePartyNotification>
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      <QuidProQuoContributions>false</QuidProQuoContributions>
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      <PremiumsPaid>false</PremiumsPaid>
      <IndoorTanningServices>false</IndoorTanningServices>
      <InfoInScheduleOPartVI>X</InfoInScheduleOPartVI>
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      <NumberIndependentVotingMembers>9</NumberIndependentVotingMembers>
      <FamilyOrBusinessRelationship>true</FamilyOrBusinessRelationship>
      <DelegationOfManagementDuties>false</DelegationOfManagementDuties>
      <ChangesToOrganizingDocs>false</ChangesToOrganizingDocs>
      <MaterialDiversionOrMisuse>false</MaterialDiversionOrMisuse>
      <MembersOrStockholders>false</MembersOrStockholders>
      <ElectionOfBoardMembers>false</ElectionOfBoardMembers>
      <DecisionsSubjectToApproval>false</DecisionsSubjectToApproval>
      <MinutesOfGoverningBody>true</MinutesOfGoverningBody>
      <MinutesOfCommittees>true</MinutesOfCommittees>
      <OfficerMailingAddress>false</OfficerMailingAddress>
      <LocalChapters>false</LocalChapters>
      <Form990ProvidedToGoverningBody>true</Form990ProvidedToGoverningBody>
      <ConflictOfInterestPolicy>false</ConflictOfInterestPolicy>
      <WhistleblowerPolicy>false</WhistleblowerPolicy>
      <DocumentRetentionPolicy>false</DocumentRetentionPolicy>
      <CompensationProcessCEO>false</CompensationProcessCEO>
      <CompensationProcessOther>false</CompensationProcessOther>
      <InvestmentInJointVenture>false</InvestmentInJointVenture>
      <StatesWhereCopyOfReturnIsFiled>KS</StatesWhereCopyOfReturnIsFiled>
      <UponRequest>X</UponRequest>
      <TheBooksAreInCareOf>
        <NamePerson>Bill Cowell</NamePerson>
        <TelephoneNumber>6204636112</TelephoneNumber>
        <AddressUS>
          <AddressLine1>PO Box 2068</AddressLine1>
          <City>Hutchinson</City>
          <State>KS</State>
          <ZIPCode>67504</ZIPCode>
        </AddressUS>
      </TheBooksAreInCareOf>
      <Form990PartVIISectionA>
        <NamePerson>Becky Goering</NamePerson>
        <Title>director</Title>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>Gordon Goering</NamePerson>
        <Title>director</Title>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
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        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>Larry Chapman</NamePerson>
        <Title>director</Title>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
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        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>Lyndal Penner</NamePerson>
        <Title>director</Title>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
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        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>Rev John Williams</NamePerson>
        <Title>director</Title>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>Rev Todd Britt</NamePerson>
        <Title>director</Title>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>Roger Stauter</NamePerson>
        <Title>director</Title>
        <IndividualTrusteeOrDirector>X</IndividualTrusteeOrDirector>
        <ReportableCompFromOrganization>0</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>Bill Cowell</NamePerson>
        <Title>president</Title>
        <AverageHoursPerWeek>60.00</AverageHoursPerWeek>
        <Officer>X</Officer>
        <ReportableCompFromOrganization>16400</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <Form990PartVIISectionA>
        <NamePerson>Carole Cowell</NamePerson>
        <Title>secretary</Title>
        <AverageHoursPerWeek>50.00</AverageHoursPerWeek>
        <Officer>X</Officer>
        <ReportableCompFromOrganization>12300</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <TotalReportableCompFromOrg>28700</TotalReportableCompFromOrg>
      <TotalReportableCompFrmRltdOrgs>0</TotalReportableCompFrmRltdOrgs>
      <TotalOtherCompensation>0</TotalOtherCompensation>
      <NumberIndividualsGT100K>0</NumberIndividualsGT100K>
      <FormersListed>false</FormersListed>
      <TotalCompGT150K>false</TotalCompGT150K>
      <CompensationFromOtherSources>false</CompensationFromOtherSources>
      <AllOtherContributions>437988</AllOtherContributions>
      <TotalContributions>437988</TotalContributions>
      <TotalRevenue>
        <TotalRevenueColumn>437988</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>0</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </TotalRevenue>
      <CompCurrentOfficersDirectors>
        <Total>28700</Total>
        <ProgramServices>16400</ProgramServices>
        <Fundraising>12300</Fundraising>
      </CompCurrentOfficersDirectors>
      <OtherSalariesAndWages>
        <Total>197606</Total>
        <ProgramServices>174206</ProgramServices>
        <ManagementAndGeneral>23400</ManagementAndGeneral>
      </OtherSalariesAndWages>
      <PayrollTaxes>
        <Total>17312</Total>
        <ProgramServices>14581</ProgramServices>
        <ManagementAndGeneral>1790</ManagementAndGeneral>
        <Fundraising>941</Fundraising>
      </PayrollTaxes>
      <FeesForServicesAccounting>
        <Total>2300</Total>
        <ProgramServices>2300</ProgramServices>
      </FeesForServicesAccounting>
      <Advertising>
        <Total>8132</Total>
        <ProgramServices>8132</ProgramServices>
      </Advertising>
      <OfficeExpenses>
        <Total>16246</Total>
        <ProgramServices>6140</ProgramServices>
        <Fundraising>10106</Fundraising>
      </OfficeExpenses>
      <Travel>
        <Total>5735</Total>
        <ProgramServices>5735</ProgramServices>
      </Travel>
      <DepreciationDepletion>
        <Total>12818</Total>
        <ProgramServices>12818</ProgramServices>
      </DepreciationDepletion>
      <Insurance>
        <Total>16494</Total>
        <ProgramServices>16494</ProgramServices>
      </Insurance>
      <OtherExpenses>
        <Description>Student activ &amp; school exp</Description>
        <Total>28927</Total>
        <ProgramServices>28927</ProgramServices>
      </OtherExpenses>
      <OtherExpenses>
        <Description>Utilities &amp; telephone</Description>
        <Total>32783</Total>
        <ProgramServices>32783</ProgramServices>
      </OtherExpenses>
      <OtherExpenses>
        <Description>Maint -grounds dorm school</Description>
        <Total>40653</Total>
        <ProgramServices>40653</ProgramServices>
      </OtherExpenses>
      <OtherExpenses>
        <Description>Food and educ materials</Description>
        <Total>23591</Total>
        <ProgramServices>23591</ProgramServices>
      </OtherExpenses>
      <AllOtherExpenses>
        <Total>9647</Total>
        <ProgramServices>9647</ProgramServices>
      </AllOtherExpenses>
      <TotalFunctionalExpenses>
        <Total>440944</Total>
        <ProgramServices>392407</ProgramServices>
        <ManagementAndGeneral>25190</ManagementAndGeneral>
        <Fundraising>23347</Fundraising>
      </TotalFunctionalExpenses>
      <CashNonInterestBearing>
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        <EOY>3098</EOY>
      </CashNonInterestBearing>
      <LandBuildingsEquipmentBasis>1886983</LandBuildingsEquipmentBasis>
      <LandBldgEquipmentAccumDeprec>204809</LandBldgEquipmentAccumDeprec>
      <LandBuildingsEquipmentBasisNet>
        <BOY>1678646</BOY>
        <EOY>1682174</EOY>
      </LandBuildingsEquipmentBasisNet>
      <TotalAssets>
        <BOY>1686827</BOY>
        <EOY>1685272</EOY>
      </TotalAssets>
      <OtherLiabilities>
        <BOY>167267</BOY>
        <EOY>168668</EOY>
      </OtherLiabilities>
      <TotalLiabilities>
        <BOY>167267</BOY>
        <EOY>168668</EOY>
      </TotalLiabilities>
      <FollowSFAS117>X</FollowSFAS117>
      <UnrestrictedNetAssets>
        <BOY>1519560</BOY>
        <EOY>1516604</EOY>
      </UnrestrictedNetAssets>
      <TotalNetAssetsFundBalances>
        <BOY>1519560</BOY>
        <EOY>1516604</EOY>
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      <TotalLiabNetAssetsFundBalances>
        <BOY>1686827</BOY>
        <EOY>1685272</EOY>
      </TotalLiabNetAssetsFundBalances>
      <ReconcilationRevenueExpenses>-2956</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>0</ReconcilationOtherChanges>
      <MethodOfAccountingCash>X</MethodOfAccountingCash>
      <AccountantCompileOrReview>true</AccountantCompileOrReview>
      <FSAudited>false</FSAudited>
      <AuditCommittee>true</AuditCommittee>
      <FinancialStatementSeparate>X</FinancialStatementSeparate>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
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      <School170b1Aii>X</School170b1Aii>
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        <ContributorNumber>RESTRICTED</ContributorNumber>
        <ContributorNameBusiness>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorNameBusiness>
        <ContributorAddressUS>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorAddressUS>
        <AggregateContributions>RESTRICTED</AggregateContributions>
      </ContributorInfo>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="990D">
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        <OtherCostOrOtherBasis>214000</OtherCostOrOtherBasis>
        <BookValue>214000</BookValue>
      </Land>
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        <Depreciation>190339</Depreciation>
        <BookValue>1427598</BookValue>
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      <Equipment>
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        <Depreciation>14470</Depreciation>
        <BookValue>40576</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>1682174</TotalOfBookValueLandBuildings>
      <OtherLiabilities>
        <Description>building loans</Description>
        <Amount>95223</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>payroll taxes for Dec11</Description>
        <Amount>1220</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>unpaid wages to Bill &amp; Carole</Description>
        <Amount>67500</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>credit card for supplies</Description>
        <Amount>4725</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>168668</TotalOfAmounts>
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    <IRS990ScheduleE documentId="990E">
      <NondiscriminatoryPolicyStmt>true</NondiscriminatoryPolicyStmt>
      <PolicyStatementInBrochuresEtc>true</PolicyStatementInBrochuresEtc>
      <PolicyPublViaBroadcastMedia>true</PolicyPublViaBroadcastMedia>
      <MaintRacialCompositionRecords>true</MaintRacialCompositionRecords>
      <MaintScholarshipsRecords>true</MaintScholarshipsRecords>
      <MaintCopiesOfBrochuresEtc>true</MaintCopiesOfBrochuresEtc>
      <MaintCopiesOfAllSolicitations>true</MaintCopiesOfAllSolicitations>
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      <DiscriminateRaceEmplmnFaculty>false</DiscriminateRaceEmplmnFaculty>
      <DiscriminateRaceScholarships>false</DiscriminateRaceScholarships>
      <DiscriminateRaceEducPolicies>false</DiscriminateRaceEducPolicies>
      <DiscriminateRaceUseOfFclts>false</DiscriminateRaceUseOfFclts>
      <DiscriminateRaceAthleticProg>false</DiscriminateRaceAthleticProg>
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      <GovernmentFinancialAidReceived>false</GovernmentFinancialAidReceived>
      <GovernmentFinancialAidRevoked>false</GovernmentFinancialAidRevoked>
      <ComplianceWithRevProc7550>true</ComplianceWithRevProc7550>
    </IRS990ScheduleE>
    <IRS990ScheduleL documentId="990L">
      <LoanTable>
        <NamePerson>Bill Cowell</NamePerson>
        <PurposeOfLoan>unpaid back wages</PurposeOfLoan>
        <OriginalPrincipalAmount>33600</OriginalPrincipalAmount>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>false</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>Carole Cowell</NamePerson>
        <PurposeOfLoan>unpaid back wages</PurposeOfLoan>
        <OriginalPrincipalAmount>33900</OriginalPrincipalAmount>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>false</WrittenAgreement>
      </LoanTable>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="990O">
      <GeneralExplanation>
        <Identifier>01. Officer, directors, etc. family relationship (Part VI, line 2)</Identifier>
        <Explanation>Bill Cowell who is the presidentdirector is married to Carole Cowell who is also a director and works in a supervisory and promotional capacity Becky Goering who is a director is an adult daughter of Bill &amp; Carole Cowell</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>02. Form 990 governing body review (Part VI, line 11)</Identifier>
        <Explanation>Because all of the directors do not live in the immediate area the Form 990 is not necessarily reviewed by all of them prior to it being mailed However it is available by mail to anyone who wishes to review it prior to a regular board meeting where they have the opportunity to puruse it in detail</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>03. Governing documents, etc, available to public (Part VI, line 19)</Identifier>
        <Explanation>Governing documents conflict of interest policy and financial statements are available to the general public upon request at our office However an appointment is necessary with a specific request for documents to be viewed</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
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