Kenneth Abt	Brad Adderley, Esquire
Chairman, First Federal Middletown	Appleby, Services (Bermuda) Limited
Richard Bennett	Patrick Cullen
Vice Chairman, Gouverneur Savings	President & CEO, Bank Of Cattaraugus
Angelo DiLorenzo	Ronald Frey
Vice Chairman, Brooklyn Federal Savings Bank	Chairman, FNB in Fleetwood
Thomas Gibney	David Hunsicker
President & CEO, Walden Federal	President & CEO, New Tripoli National Bank
Anthony Milone	Thomas Piche'
President, Cross County Savings	President & CEO, Carthage Savings & Loan
David Swanson	Francis J. Shashaty
President & CEO, North Country Savings Bank	President & CEO, First Monetary Mutual Limited