Brad Adderley, Esquire	Richard Bennett
Appleby, Spurling & Hunter	President & CEO, Gouverneur Savings
Patrick Cullen	Angelo DiLorenzo
President, Bank Of Cattaraugus	President & CEO, Brooklyn Federal Savings Bank
John Edler	Tim Faries, Esquire
President, Wallkill Valley	Appleby, Spurling & Hunter
Ronald Frey	Thomas Gibney
Chairman & CEO, FNB in Fleetwood	President, Walden Federal
David Hunsicker	James R. McLaughlin
President, New Tripoli National Bank	President & CEO, FNB Of Mifflintown
Anthony Milone	James Roy
President, Cross County Savings	Director, Sunnyside Federal
Francis J. Shashaty
President & CEO, First Monetary Mutual