Volunteers of the Year: Kenneth Ford, American Partners FCU in Reidsville, N.C., (less than $150 million); Everett Gull, Chartway FCU in Virginia Beach, Va., ($150 million or more).

Best Annual Report: Service 1st FCU in Danville, Pa., (less than $150 million);

Gulf Coast Educators FCU in Pasadena, Texas, (more than $150 million).

Best Promotional Campaign: Affinity Group CU in Pontiac, Mich., (less than $150 million); San Antonio FCU ($150 million or more).

Best Lending Promotion: Southwest Research Center FCU in San Antonio (less than $150 million); Three Rivers FCU in Fort Wayne, Ind., ($150 million or more).

Best Membership Promo-tion: Marriott Employees' FCU in Bethesda, Md., (less than $150 million); Grow Financial FCU in Tampa, Fla., ($150 million or more).

Best Member Newsletter: Service: 1st FCU in Danville, Pa., (less than $150 million); Capital Communications FCU in Albany, N.Y., ($150 million or more).

Best Product or Service Promotion: Southwest Research Center FCU, San Antonio (less than $150 million); NASA FCU in Upper Marlboro, Md.; ($150 million or more).

Best Web Site: DOT FCU in Poughkeepsie, N.Y., (less than $150 million);
Insight Financial CU in Orlando, Fla., ($150 million or more).

–[email protected]