If you are a bright student living in Bermuda but you are concerned about the costs of college tuition here and abroad don't despair! The Bank of Butterfield comes to the rescue with its complete list of scholarships offered in Bermuda on their website: www.bankofbutterfield.bm Karla Lacey-Minors, vice-president, marketing and corporate communications, said: "We are pleased to provide this directory as a further service to students seeking to advance their education.

"The inspiration for this publication came from the members of the Selection Committee for the Sir Harry D. Butterfield Scholarship Programme, developed to meet the needs of those wishing to pursue studies outside Bermuda.'' This year there will be over one million applicants to North American universities alone and getting a scholarship means having patience and knowing where to look for the pot of money to secure your eduational future.

Primarily scholarships are awarded on the basis of academic achievement, personal qualities and character, demonstration of exceptional leadership, art, sports and civics. One of the main considerations, of course, is the degree of financial need.

At the top of the list are two of the bank's scholarships in the sum of 15,000 dollars per annum, Sir A. Dudley Spurling and Sir Harry D. Butterfield.

Other golden scholarships are Sir Henry Tucker University and Educational Grants in the sum of 20,000 per annum and grants for 6,000 per annum for no more than three years. Then there is the Sir John W. Cox, University Scholarship for Postgraduate Studies in the sum of 20,000 per annum for a maximum of four years.

One of the most prestigious scholarships is `The Rhodes Scholarship Bermuda'.

Only one is awarded annually, tenable at the University of Oxford, England.

Its duration is two years in the first instance, and the course of the second year the scholar will have an opportunity to apply for a third year at Oxford.

All tuition fees and expenses are paid directly to the Trust and, in addition, the scholar receives a personal stipend or allowance which is expected to be in excess of 8,400 a year.

The trust pays the cost of travel to Oxford but there are age restrictions you must have passed the 19th but not have passed the 25th birthday on October 1 of the year for which the scholarship is to be awarded.

For students wishing to study law there are the generous scholarships from Appleby, Spurling & Kempe and Conyers, Dill & Pearman in the sum of 15,000 dollars per annum.

There are more than a hundred scholarships offered to Bermuda's students in numerous fields of study. This is a wonderful source of review for any student preparing for college or university studies.

For students who don't have computer opportunities a paper copy should be at the Hamilton Library and in the offices of most school guidance counsellors.

Mt. St. Agnes college bound students: Principal, Sister Judith Rollo with the academy's top six senior students: Front row left to right: Veronica DaCosta, Tracey Loring and Lacey Dobson. Back row: Cullen O'Hara, Danny Wicks and Jennifer Roberts.