legal notice before local login?

[Craig Hurley <lists@thehurley.com>]

Hello,

Can anyone tell me how to add a legal notice before a user enters their 
password when logging on *locally*.  I've already configured a legal 
notice for users logging in via SSH using "Banner /path/to/legalnotice" 
in /etc/ssh/sshd_config.

Thank you,
Craig.