Exhibit 4.4

            Amendment to First Federal Savings Bank of Iowa's Bylaws
                 (Adopted on and Effective as of April 27, 2001)

         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 six
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.