Joe Adia	Julie Dewitt
President, Flatbush Federal	President & CEO, Highland Falls
Erica Robinson-McLeod	Richard Meares
Appleby	President, Fleetwood Bank
Joseph Pistilli	Frederick Schea
President, Chairman & CEO, First Central Savings Bank	President & CEO, FSB Mutual Holdings, Inc.
Danuta Sieminski	Margaret Smith
President & CEO, Atlas Savings & Loan	President & CEO, First Federal Savings of Middletown
Erasto Torres
President & CEO, Ponce De Leon Federal Bank