This research work is intended to do analysis of rural banking habits f the rural communities of the Nigeria and to analyze the various problems militating against the successful implementation of the rural banking awareness from the central bank annual report and statement of account 1999. Survey conducted it was revealed that the country is under banked. In this work, some plausible recommendations that will assist the monetary authorities in fashionry out practicable and attractive incentives for the banking ensuring the achievement of the objectives of the programmed will be made. The third chapter of this shows the research design and methodology. The chapter four of this talks about the summary of findings of this topics. Finally, chapter five comprises of conclusion and recommendation of this topic and the bibliography. I hope that this project will be of benefit to the problems of banking habits of the rural communities in Nigeria.