Exhibit 4.4

            Amendment to First Federal Savings Bank of Iowa's Bylaws
               (Adopted on and Effective as of December 15, 2000)

         Article III,  Section 2 of the bylaws of First Federal  Savings Bank of
Iowa is amended to read as follows:

         Section 2. Number and Term.  The board of  directors  shall  consist of
seven members, and shall be divided into three classes as nearly equal in number
as possible. The member 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.