Kenneth J. Abt	Corinne Hewson-Catmur
President & CEO, First Federal Savings of Middletown	Appleby
Julie DeWitt	Erica Robinson-McLeod
President & CEO, Highland Falls	Appleby
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
Erasto Torres
President & CEO, Ponce De Leon Federal Bank