function fwLoadMenus() {
  if (window.fw_menu_0) return;
  window.fw_menu_0 = new Menu("root",130,15,"Verdana, Arial, Helvetica, sans-serif",9,"#712929","#712929","#FAE57C","#ffcd3a");
  fw_menu_0.addMenuItem("Regular Checking","location='regular_checking.html'");
  fw_menu_0.addMenuItem("NOW Checking","location='now_account.html'");
  fw_menu_0.addMenuItem("MasterCard Debit Card","location='check_card.html'");
  fw_menu_0.hideOnMouseOut=true;
  window.fw_menu_1 = new Menu("root",190,15,"Verdana, Arial, Helvetica, sans-serif",9,"#712929","#712929","#FAE57C","#ffcd3a");
  fw_menu_1.addMenuItem("Passbook Accounts","location='passbook_savings.html'");
  fw_menu_1.addMenuItem("Statement Savings","location='statement_savings.html'");
  fw_menu_1.addMenuItem("Christmas Club","location='christmas_club.html'");
  fw_menu_1.addMenuItem("Certificates of Deposit","location='certificates_of_deposit.html'");
  fw_menu_1.addMenuItem("Share Loans","location='share_loans.html'");
  fw_menu_1.hideOnMouseOut=true;
   window.fw_menu_2_1 = new Menu("Home Loans",155,15,"Verdana, Arial, Helvetica, sans-serif",9,"#712929","#712929","#FAE57C","#ffcd3a");
    fw_menu_2_1.addMenuItem("Purchase Loans","location='purchase_loans.html'");
    fw_menu_2_1.addMenuItem("Refinance Loans","location='rfinance_loans.html'");
    fw_menu_2_1.addMenuItem("Construction Loans","location='construction_loans.html'");
     fw_menu_2_1.hideOnMouseOut=true;
    window.fw_menu_2_2 = new Menu("Consumer Loans",220,15,"Verdana, Arial, Helvetica, sans-serif",9,"#712929","#712929","#FAE57C","#ffcd3a");
    fw_menu_2_2.addMenuItem("Auto Loans","location='auto_loans.html'");
    fw_menu_2_2.addMenuItem("Other Secured Loans","location='secured_loans.html'");
     fw_menu_2_2.hideOnMouseOut=true;
    window.fw_menu_2_3 = new Menu("Lot Loans",225,15,"Verdana, Arial, Helvetica, sans-serif",9,"#712929","#712929","#FAE57C","#ffcd3a");
    fw_menu_2_3.addMenuItem("Construction Loans","location='construction_loans.html'");
    fw_menu_2_3.addMenuItem("Lot Purchase Loans","location='lot_purchase.html'");
     fw_menu_2_3.hideOnMouseOut=true;
  window.fw_menu_2 = new Menu("root",210,15,"Verdana, Arial, Helvetica, sans-serif",9,"#712929","#712929","#FAE57C","#ffcd3a");
  fw_menu_2.addMenuItem("Share Loans","location='share_loans.html'");
  fw_menu_2.addMenuItem(fw_menu_2_1);
  fw_menu_2.addMenuItem("Home Equity Line of Credit","location='home_equity.html'");
  fw_menu_2.addMenuItem(fw_menu_2_2);
  fw_menu_2.addMenuItem(fw_menu_2_3);
  fw_menu_2.hideOnMouseOut=true;
  fw_menu_2.childMenuIcon="images/arrows.gif";
  fw_menu_2.writeMenus();

} // fwLoadMenus()