Kenneth J. Abt	Michael Burns
President & CEO, First Federal Savings of Middletown	Appleby
Julie DeWitt	Charlie Kleis
President & CEO, Highland Falls	Chairman & CEO, Atlas Savings
Brent Peters	Thomas H. Piche'
President & CEO, East Penn Bank	President & CEO, Carthage Savings & Loan
Joseph Pistilli	David C. Swanson
President, Chairman & CEO, First Central Savings Bank	President & CEO, North Country Savings Bank
Erica Robinson-McLeod	Erasto Torres
Appleby	President & CEO, Ponce De Leon Federal Bank