Brad Adderley

Esquire

Appleby

Francis Shashaty President & CEO

First Monetary

FOR A TWO YEAR TERM

CONTINUING DIRECTORS

FOR A ONE YEAR TERM

Slate of Directors

Slate of Directors

Richard F. Bennett

Vice Chairman

Gouverneur Savings

Kenneth J. Abt

Chairman

First Federal Middletown

Thomas Gibney

President

Hometown Bank

Patrick J. Cullen

President & CEO

Bank of Cattaraugus

David C. Swanson

President & CEO

North Country SB

Thomas H. Piche'

President & CEO

Carthage S&L

Anthony Milone

President & CEO

Cross County SB

David R. Hunsicker

President

New Tripoli NB

Richard L. Meares

President & CEO

Fleetwood Bank

Frederick E. Schea

President & CEO

FSB Mutual Holdings, Inc.