ROBERT W. PUGH, JR.
Chairman of the Board and President

            KENNETH J. STEPHON              Chief Executive Officer

              THOMAS D. OLEKSA               Vice President and Senior Lender

CHRISTOPHER R. BAKER   Compliance Officer

               ROBERT EDWARDS                Loan Officer

JOE GERCHAK
Loan Officer

BEVERLY WEHRY
Staff Accountant

ANN SHIMKO
Data Processing Manager

RONALD R. PELLISH
Treasurer and Secretary

MICHAEL R. MUNCY
Assistant Treasurer

ROBERT W. PUGH, JR.

MICHAEL R. MUNCY

MENELAOS P. PALLES

RONALD R. PELLISH

DANIEL C. GUERS

FRANK J. GRABOWSKI

JUDITH HOFFMAN

JANINE REPPERT

RICHARD L. REPPERT

JAMES A SCHMOYER

KONSTANTINOS A. TANTAROS, JR.

DONALD S. YOUNG