FV Function. Final Balance Of Savings

I need to calculate the final balance of a savings account. Thought this could be done using the function FV. However I had not used this function before. Therefore to make sure that I had set up the formula correctly I checked it manually with a small example. The results are set out below. You will see the function FV fails to include the final interest payment. (£2620.32 - £2472.00 =£148.32)

The data to be used will be:
A regular payment of an identical amount on first day of every year.
Compound interest calculated annually and credited to account on final day of every year.
Period of years.

Example of Saving Regular Amount every year at Compound Interest
Using =FV(A1,A2,A3)

Amount of Saving per annum £1,200.00 A1
Rate per Annum 6.00% A2
Period of Years 2.00 A3
£2,472.00

Manual calculation of example:

Payment at start of first year£1200.00
Interest at end of first year 72.00
Balance at end of first year 1272.00
Payment at start of second year £1200.00
Balance at start of second year 2472.00
Interest at end of second year 148.32
Balance at end of second year £2620.32