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BOARDWALK BANCORP INC (BORD)

Boardwalk Bank operates as a community bank, serving Atlantic, Cape May, and Cumberland counties, New Jersey. It provides banking services to small and mid-sized businesses, as well as professional practices, such as medical doctors and lawyers. The company provides noninterest bearing checking account, online Banking, bill pay, merchant and card services, ATM/debit card, check reordering, and deposit pick-up. It also offers outstanding products for individual and family banking, including high rate CDs and interest bearing checking account. Boardwalk Bank was established in 1999 and is headquartered in Linwood, New Jersey.


EAST PENN FINANCIAL CORPORATION (EPEN)

East Penn Financial Corporation operates as the holding company for East Penn Bank, which provides commercial and retail banking services to individuals, small businesses, and municipalities in eastern Pennsylvania. The bank accepts time and demand deposits, as well as personal and business checking accounts. It also offers commercial loans; commercial real estate, residential real estate, and real estate construction loans; home equity loans; and other consumer loans. The bank invests in U.S. government agencies and corporations, securities of state and political subdivisions, mortgage-backed and asset-backed securities, equity securities, and other securities. As of December 31, 2004, it had seven branches located principally in Lehigh county, Pennsylvania. The company was founded in 1990 and is headquartered in Emmaus, Pennsylvania.


PENNSYLVANIA COMMERCE BANCORP INC (COBH)

Pennsylvania Commerce Bancorp, Inc. operates as the holding company for Commerce Bank/Harrisburg, National Association that provides retail and commercial banking services in Pennsylvania. The bank engages in generating deposits and originating loans. Its deposit products include personal checking accounts and business checking accounts, regular savings accounts, money market accounts, interest checking accounts, fixed rate certificates of deposit, individual retirement accounts, and club accounts. Commerce Bank/Harrisburg's loan portfolio comprises commercial construction and real estate loans, land development and business loans, business lines of credit, consumer loans, home equity, revolving lines of credit, overdraft checking protection, student loans, construction loans, and permanent mortgages for homes. The bank also provides debit card services, automated teller facilities, and safe deposit facilities. It primarily invests in the U.S. government agency obligations, municipal obligations, and mortgage-backed obligations. As of December 31, 2004, Commerce Bank/Harrisburg operated a main office in Camp Hill, Pennsylvania, and 23 branch offices in Cumberland, Dauphin, York, Berks, and Lebanon Counties, Pennsylvania. Pennsylvania Commerce Bancorp was founded in 1984 and is based in Camp Hill, Pennsylvania. The company is a member of the Commerce Bancorp, Inc. Network.


SIGNATURE BANK (SBNY)

Signature Bank and its subsidiaries provide banking, brokerage, and insurance services in the New York metropolitan area. It offers various business and personal banking products and services, as well as investment, brokerage, asset management, and insurance products and services. The company's business deposit products include commercial checking accounts, money market accounts, lockbox accounts, cash concentration accounts, and other cash management products. Its personal deposit products include checking accounts, money market accounts, and certificates of deposit. The company's loan products comprise commercial real estate, residential mortgages, and consumer loans. It invests primarily in government agency mortgage-backed securities and collateralized mortgage obligations. As of December 27, 2005, the company operates 15 offices located throughout New York metropolitan area. Signature Bank is headquartered in New York City.


COMMERCE BANCORP INC (CBH)

Commerce Bancorp, Inc. operates as a multibank holding company that provides retail and commercial banking services, as well as corporate trust services for consumers, and small and midsized companies in the United States. Its retail banking services and products comprise checking accounts, savings programs, money market accounts, negotiable orders of withdrawal accounts, certificates of deposit, safe deposit facilities, coin counting, consumer loan programs, home equity and revolving lines of credit, overdraft checking, and automated teller facilities, as well as construction loans and permanent mortgages for houses. The company's commercial banking services comprise checking accounts, night depository facilities, money market accounts, certificates of deposit, short-term loans for seasonal or working capital purposes, term loans for fixed assets and expansion purposes, revolving credit plans, and other commercial loans and leases. Commerce Bancorp also finances the construction of business properties and makes real estate mortgage loans on completed buildings. In addition, the company offers corporate trust services; securities, investment management, and brokerage services; commercial property and casualty and surety services; and group and individual medical, life, disability, pension, and risk management services. Further, it invests in the U.S. government agency and mortgage-backed obligations. As of September 30, 2005, Commerce Bancorp operated 342 banking offices that served New Jersey, Pennsylvania, Delaware, and New York. The company was founded in 1973 and is headquartered in Cherry Hill, New Jersey.


CHITTENDEN CORPORATION (CHZ)

Chittenden Corporation, through its banking subsidiaries (the bank), provides financial services in the United States. The bank offers loans, deposits, and other banking services to commercial, individual, and public sector customers. Its lending services consist of commercial loans and residential real estate loans. Commercial loans include commercial, municipal, multifamily residential real estate, commercial real estate, and construction. Residential real estate loans comprise those collateralized by one-four family units and home equity loans. The bank also offers demand, savings, NOW, money market, cash management, and time deposits. It also provides personal trust services, including services as executor, trustee, administrator, custodian, and guardian; and corporate trust services, including services as trustee for pension and profit sharing plans. In addition, the bank offers asset management services for both personal and corporate trust clients; various business services products, including payroll processing, business credit cards, merchant credit card processing, and cash management; and financial and investment counseling, as well as central depository, lending, and other banking services. Further, the bank provides safe deposit facilities, certain nondeposit investment products, and various insurance related products. Chittenden has a network of approximately 125 offices from the Canadian border through Vermont to Massachusetts and east to New Hampshire and Maine. The company was founded in 1904 and is based in Burlington, Vermont.


SOMERSET HILLS BANCORP (SOMH)

Somerset Hills Bancorp operates as the holding company for Somerset Hills Bank, which provides commercial banking services in New Jersey. The bank accepts noninterest and interest bearing checking and savings accounts, as well as certificates of deposit. It also offers commercial and industrial loans, commercial and residential real estate loans, consumer and installment loans, and home equity loans. In addition, the bank provides free checks, telephone banking and bill payment, safe deposit box, refund of foreign ATM fees, insurance services, and securities brokerage and investment advisory services. It serves small-to- medium sized business, individuals, professional practices, and consumer and retail customers. The bank invests in U.S. government sponsored agency securities, mortgage-backed securities, collateralized mortgage obligations, and equity securities. As of September 30, 2005, it operated three branch offices located in Somerset, Morris, and Union Counties. The company was formed in 1997 and is based in Bernardsville, New Jersey.


WAINWRIGHT BANK & TRUST COMPANY (WAIN)

Wainwright Bank & Trust Company operates as a commercial bank in Massachusetts. It engages in attracting deposit from the general public and private customers; originating residential and commercial real estate mortgages, as well as commercial and consumer loans; and providing investment management services. The company's deposit products comprise NOW and demand deposit accounts, savings accounts, checking accounts, money market accounts, certificates of deposit, and individual retirement accounts. Its loan products include commercial loans, consumer loans, personal loans, and residential mortgage loans. The company invests primarily in mortgage-backed securities, equity securities, U.S. government agency securities, and corporate debt obligations. As of November 1, 2005, it operated 11 branch offices located in Boston, Cambridge, Somerville, and Watertown in Massachusetts. Wainwright Bank is headquartered in Boston, Massachusetts.


MASSBANK CORP (MASB)

MASSBANK Corp. operates as the holding company for MASSBANK, which provides various financial services in Massachusetts. The bank offers various deposits products, including savings accounts, holiday club savings accounts, regular and business checking accounts, money market deposit accounts, individual retirement accounts and Keogh accounts, term deposit accounts, and negotiable order of withdrawal (NOW) and super NOW accounts. Its lending services include residential and commercial real estate mortgages, construction loans, commercial loans, and consumer loans. MASSBANK also offers various investment, trust, and estate planning services, as well as serves as trustee, executor, and executor's agent for bank customers. It also provides automated teller machines. MASSBANK invests in various securities and obligations, including: federal funds sold, commercial paper and bankers' acceptances, the United States treasury and government agency obligations, the United States agency guaranteed and other mortgage-backed securities, investment grade corporate debt securities, mutual funds, and equity securities traded on a national securities exchange or quoted on the NASDAQ system. The bank operated 15 service banking offices in Reading, Chelmsford, Dracut, Everett, Lowell, Medford, Melrose, Stoneham, Tewksbury, Westford, and Wilmington, as of December 31, 2004. MASSBANK Corp. is based in Reading, Massachusetts.


SUFFOLK BANCORP (SUBK)

Suffolk Bancorp operates as the holding company for Suffolk County National Bank, which provides domestic, retail, and commercial banking services, as well as trust services primarily in Suffolk County, New York. The bank accepts checking accounts, savings accounts, time and savings certificates, money market accounts, negotiable-order-of-withdrawal accounts, holiday club accounts, and individual retirement accounts. It also offers loans secured by real estate, including residential mortgages; real estate construction loans; loans that are secured by commercial real estate; home equity loans; consumer loans; and other loans. It also offers secured and unsecured loans, including commercial loans to individuals, partnerships, and corporations; agricultural loans to farmers; installment loans to finance small businesses; mobile home loans; automobile loans; home equity and real estate mortgage loans; safe deposit boxes; trust and estate services; the sale of mutual funds and annuities; and the maintenance of a master pension plan for self-employed individuals' participation. The bank invests in U.S. treasury securities, U.S. government agency debt securities, collateralized mortgage obligations agency issues, collateralized mortgage obligations private issues, mortgage-backed securities, and obligations of states and political subdivisions. As of December 31, 2004, the bank operated 26 offices throughout Suffolk County, New York. Suffolk Bancorp was founded in 1890 and is based in Riverhead, New York.


STATE STREET CORP (STT)

State Street Corporation operates as the holding company for State Street Bank and Trust Company, which provides a range of products and services for investors worldwide. The company operates in two lines of businesses, Investment Servicing and Investment Management. Investment Servicing business provides services for U.S. mutual funds, collective funds worldwide, corporate and public retirement plans, insurance companies, foundations, endowments, and other investment pools. Its products include custody, accounting, daily pricing, and administration; master trust and master custody; recordkeeping; foreign exchange and trading services; securities lending; deposit and short-term investment facilities; loans and lease financing; investment and hedge fund manager operations outsourcing; and performance, risk, and compliance analytics to support institutional investors. Investment Management business offers an array of services for managing financial assets, including investment management and investment research services, primarily for institutional investors. Its services include U.S. and non-U.S. equity and fixed income strategies, and other related services, such as securities lending. As of December 31, 2004, the company provided its services from 21 offices in the United States; and from offices in Australia, Austria, Belgium, Canada, Cayman Islands, Chile, France, Germany, Ireland, Italy, Japan, Luxembourg, the Netherlands, Netherlands Antilles, New Zealand, People's Republic of China, Singapore, South Africa, South Korea, Switzerland, Taiwan, Thailand, United Arab Emirates, and the United Kingdom. State Street Corporation was organized in 1832 and is headquartered in Boston, Massachusetts.


WASHINGTON TRUST BANCORP INC (WASH)

Washington Trust Bancorp, Inc. operates as the bank holding company for The Washington Trust Company (bank), which provides various banking and financial services. Its deposit products include commercial and consumer demand deposits; savings, NOW, and money market deposits; and certificates of deposit. The bank's loan portfolio primarily includes commercial, construction, and consumer installment loans; residential mortgages; and home equity lines of credit. It primarily invests in the U.S. Treasury obligations and obligations of U.S. Government-sponsored agencies, mortgage-backed securities, and corporate bonds and stocks. The bank also provides telephone and Internet banking services. In addition, it provides trust and investment management services as a trustee under wills and trust agreements. Further, the bank operates as an executor or administrator of estates; provider of agency, custodial, and management investment services to individuals and institutions; and as a trustee for employee benefit plans. Additionally, it provides investment advisory services, including asset allocation analysis and equity; fixed income; and balanced portfolio management. As of June 30, 2005, the bank operated 17 banking offices in Rhode Island and Connecticut counties. Washington Trust Bancorp was formed in 1800 and is headquartered in Westerly, Rhode Island.


TRUSTCO BANK CORP NY (TRST)

TrustCo Bank Corp NY operates as the holding company for TrustCo Bank, which provides general banking services. It accepts deposits and makes loans and investments. It accepts checking, savings, money market, Time deposits accounts. The bank also offers commercial, residential mortgage, and installment loans, as well as home equity line of credit. As of December 31, 2004, The bank operated 72 automatic teller machines and 75 banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Warren, Washington and Westchester counties of New York State; Sarasota, Seminole, and Orange counties in Florida; and Bennington County in Vermont. TrustCo Bank Corp was founded in 1902 and is based in Glenville, New York.


COMMUNITY BANKS INC (CMTY)

Community Banks, Inc. operates as the holding company for Community Banks that primarily offers commercial and retail banking products and services in northeastern Pennsylvania and northern Maryland. The bank engages in generating deposits and originating loans. Its deposit products include noninterest bearing, savings, money market, and time deposits, as well as negotiable order of withdrawal accounts. The bank's loan portfolio primarily includes commercial loans, commercial and residential real estate loans, and consumer loans. The bank also offers services, such as Internet banking, telebanking, and credit cards. It primarily invests in U.S. Government and federal agency securities, mortgage-backed securities, state and municipal securities, and corporate securities. As of August 1, 2005, the bank operated 69 banking offices and approximately 120 automated teller machine facilities in central and northeastern Pennsylvania and northern Maryland. The company's nonbanking subsidiaries include Community Bank Investments, Inc. (CBII) and Community Banks Life Insurance Company, Inc. (CBLIC). CBII invests primarily in equity securities of other banks. CBLIC provides credit life insurance to its consumer credit borrowers. Community Banks, Inc. is based in Harrisburg, Pennsylvania.


LAKELAND BANCORP INC (LBAI)

Lakeland Bancorp, Inc. operates as the holding company for Lakeland Bank and Newton Trust Company that provide commercial banking services in northern New Jersey. The company engages in generating deposits and originating loans. Its deposit products include demand, savings, and time deposits, as well as transaction accounts. The company's loan portfolio comprises commercial, real estate mortgage, real estate construction, home equity, and consumer installment loans. It also offers collection, wire transfer, night depository services, and safe deposit services, as well as provides investment and advisory services. The company primarily invests in the obligations of the U.S. Treasury and U.S. government agencies, states and political subdivisions, and mortgage-backed securities. As of December 31, 2004, it operated 49 branches in Morris, Passaic, Sussex, Essex, Bergen, and Warren counties in New Jersey. The company was formed in 1969 and is based in Oak Ridge, New Jersey.


BAR HARBOR BANKSHARES INC (BHB)

Bar Harbor Bankshares operates as the holding company for Bar Harbor Bank & Trust, which provides commercial banking services in Hancock, Washington, and Knox counties, Maine. The bank accepts interest bearing checking accounts, money market accounts, savings accounts, club accounts, short-term and long-term certificates of deposit, and individual retirement accounts. It also offers home mortgages, residential construction loans, home equity loans, and lines of credit; student loans; credit cards; overdraft protection; business loans for capital construction, real estate purchases, working capital, real estate development, and various other business purposes; and installment loans for new or used automobiles, boats, recreational vehicles, mobile homes, and other personal needs. In addition, the bank provides safe deposit box rental, wire transfers, check collection services, foreign currency exchange, money orders, travelers' checks, U.S. savings bonds, bank-by-mail services, free check image and electronic bill payment, money transfers through Internet, and brokerage services. The bank invests in mortgaged-backed securities issued by U.S. government sponsored enterprises and agencies, obligations of state and political subdivisions, obligations of other government sponsored enterprises, and other corporate issues. As of December 31, 2004, the bank had 11 branch offices located throughout Down East and Mid Coast Maine. The company, through its other subsidiary, Harbor Trust Services, offers trust and investment management services. It provides its products and services to individuals, businesses, not-for-profit organizations, and municipalities. Bar Harbor Bankshares was incorporated in 1884 and is based in Bar Harbor, Maine.


S&T BANCORP INC (STBA)

S&T Bancorp, Inc. operates as the holding company for the S&T Bank, which offers commercial banking services. It accepts demand, NOW/money market, savings, and time deposits, as well as offers provides commercial, mortgage, and industrial; residential real estate mortgage; and installment loans. The bank also provides letters of credit, discount brokerage services, personal financial planning, and credit card services. The company, through its non banking subsidiaries, acts as a reinsurer of credit life, and accident and health insurance policies, and distributes life insurance and long term disability income insurance products. As of September 30, 2005, the company operated 50 offices located in Allegheny, Armstrong, Blair, Butler, Cambria, Clarion, Clearfield, Indiana, Jefferson, and Westmoreland counties of Pennsylvania. S&T was incorporated in 1983 and is headquartered in Indiana, Pennsylvania.


AMES NATIONAL CORPORATION (ATLO)

Ames National Corporation, through its subsidiaries, provides commercial banking services in Iowa. Its deposit products include demand, savings, negotiable order of withdrawal, money market, and time deposit accounts. The company's loan portfolio comprises short-term and medium-term commercial and residential real estate loans; agricultural and business operating loans and lines of credit; equipment loans, vehicle loans, personal loans; and home improvement loans and secondary mortgage loans. It also provides cash management, merchant credit card processing, safe deposit boxes, wire transfer, direct deposit of payroll and social security checks, automated teller machine access, and trust services. The company primarily invests in the obligations of the U.S. treasury securities, the U.S. government agencies, states and political subdivisions, corporate bonds, and other securities. The company was founded in 1903 and is based in Ames, Iowa.


PEAPACK-GLADSTONE FINANCIAL CORPORATION (PGC)

Peapack-Gladstone Financial Corporation operates as the holding company for Peapack-Gladstone Bank that provides various financial, trust, and investment services in New Jersey. The bank engages in generating deposits and originating loans. Its deposit products include demand deposit, checking, savings, and money market accounts, as well as certificates of deposit. The bank's loan portfolio comprises commercial real estate, construction, commercial, and consumer loans. It also provides foreign and domestic travelers' checks, personal money orders, cashier's checks, and wire transfers, as well as offers automated teller machine and Internet banking services. In addition, the bank offers personal investment management services, personal trust administration services, estate settlement, income tax services, custodial services, and other financial planning services. As of December 31, 2004, it operated 19 branches in Somerset County, Hunterdon County, and Morris County, New Jersey. The company was formed in 1921 and is based in Gladstone, New Jersey.


ROCKVILLE FINANCIAL INC (RCKB)

Rockville Financial, Inc. operates as the holding company for Rockville Bank, which provides various banking products and services to business organizations and individuals in Connecticut. It offers residential mortgage loans, residential and commercial real estate loans, construction loans, consumer loans, and commercial business loans. The bank's deposit products include demand deposit accounts, NOW accounts, savings accounts, money market and investment savings accounts, club accounts, certificates of deposit, and time deposit accounts. Rockville Bank invests in the U.S. government and agency obligations, the U.S. government sponsored enterprises, mortgage-backed securities, corporate and other debt securities, and marketable equity securities. The bank operated through 16 branches, as of May 18, 2005. Rockville Financial is based in Rockville, Connecticut. Rockville Financial, Inc. is a subsidiary of Rockville Financial MHC, Inc.


NEWALLIANCE BANCSHARES INC (NAL)

NewAlliance Bancshares, Inc. operates as the holding company for NewAlliance Bank that offers various banking and financial services to individuals and corporate customers in south central Connecticut. Its deposit products include regular savings accounts, money market accounts, NOW accounts, demand deposits accounts, and time deposits accounts. The company's loan products include residential and commercial real estate and construction loans, commercial loans, multifamily loans, home equity lines of credit and fixed rate loans, mobile home and boat loans, and other consumer loans. In addition, NewAlliance Bank provides automated teller machine, online banking, Internet bill pay, and telephone banking services. As of September 30, 2005, the bank operated 65 banking offices. NewAlliance Bank invests in the United States government and agency obligations, mortgage-backed securities, collateralized mortgage obligations, asset backed securities, corporate debt obligations, municipal bonds, and corporate equities. The bank also provides trust, investment management, brokerage, and investment advisory services, as well as fixed annuities and other insurance products. NewAlliance Bancshares was formed in 1838 and is headquartered in New Haven, Connecticut.


SOUTHERN CONNECTICUT BANCORP INC (SSE)

Southern Connecticut Bancorp, Inc. operates as the bank holding company for The Bank of Southern Connecticut, which provides various banking services to commercial and consumer customers, primarily in the New Haven County area of Connecticut. The bank accepts checking accounts, money market accounts, savings accounts, sweep accounts, NOW accounts, various certificates of deposits, and IRA accounts, as well as provides drive-in teller services, automated teller services, wire transfer, lock box, and safe deposit services. It also offers commercial and business loans, personal loans, mortgage loans, home equity loans, automobile loans, and SBA loans. Further, the bank provides cashier's checks, money orders, travelers' checks, bank-by mail, and direct deposit and U.S. savings bonds. It invests in U.S. government sponsored agency obligations and sponsored agency issued collateralized mortgage obligations. As of December 31, 2004, the bank had two branch offices in New Haven and Branford, Connecticut. Southern Connecticut Bancorp is headquartered in New Haven, Connecticut.


LSB CORPORATION (LSBX)

LSB Corporation operates as the holding company for Lawrence Savings Bank, which provides various banking services in Merrimack Valley in Massachusetts and southern New Hampshire. The bank accepts deposit accounts, including savings, checking, money market, certificates of deposit, and individual retirement accounts. It also offers commercial real estate loans secured by commercial facilities and small businesses; commercial business loans, such as small business administration loans; construction loans, including loans for land development, construction of residential homes, and construction of commercial facilities; residential mortgage loans secured by one- to-four family primary residential properties; home equity loans; and consumer loans, such as overdraft lines of credit, collateral loans, and secured and unsecured personal loans. The bank invests in U.S. treasury obligations, federal agency obligations, mortgage-backed securities, asset-backed securities, corporate obligations, mutual funds, and equity securities. As of September 30, 2005, the bank had six banking offices in Andover, Lawrence, Methuen, and North Andover, Massachusetts, as well as in Salem, New Hampshire. The company was founded in 1868 and is based in North Andover, Massachusetts.


BOSTON PRIVATE FINANCIAL HOLDINGS INC (BPFH)

Boston Private Financial Holdings, Inc., through its subsidiaries, provides private banking, wealth advisory, and investment management services to individuals, families, and businesses in the United States. It offers private banking and investment management services, such as checking, money market accounts, and certificates of deposit; residential mortgages and home equity lines of credit; investment management and trust services; and commercial loans and lines of credit, cash management, debit card and ATM services, and Internet banking services. The company also provides financial planning, tax planning, and investment management services, as well as asset allocation, estate planning, charitable planning, planning for employment benefits, insurance, retirement planning, alternative investment analysis, and mutual fund investing services. Boston Private Financial offers its services primarily to real estate developers and investors, financial service providers, technology companies, manufacturing and communications companies, professional service providers, general commercial and industrial companies, and individuals. The company is based in Boston, Massachusetts.


BRYN MAWR BANK CORPORATION (BMTC)

Bryn Mawr Bank Corporation operates as the bank holding company for The Bryn Mawr Trust Company (bank) that offers commercial and retail banking services in Pennsylvania. The bank accepts demand, time, and savings deposits; and makes commercial, real estate, and consumer loans, as well as other extensions of credit. It also provides a range of wealth management services comprising estate administration, investment advisory services, and pension and profit sharing administration, as well as personal financial planning, including tax preparation. The bank also offers insurance and related products and services consisting of casualty, property, and allied insurance lines, as well as life insurance, annuities, medical insurance, and accident and health insurance for groups and individuals. In addition, it provides title search and abstract services. As of March 31, 2004, the bank operated eight branch offices in Bryn Mawr, Havertown, Wayne, Wynnewood, Paoli, West Conshohocken, Newtown Square, and Exton, Pennsylvania, as well as seven retirement community offices in Montgomery, Delaware, and Chester counties. The company was founded in 1889 and is headquartered in Bryn Mawr, Pennsylvania.


WEBSTER FINANCIAL CORPORATION (WBS)

Webster Financial Corporation (WFC) operates as a holding company for the Webster Bank, National Association, which provides business banking, retail banking, consumer financing, mortgage banking, call center, trust, and investment services primarily in the United States. The company operates in three segments: Retail Banking, Commercial Banking, and Wealth and Investment Services (WIS). The Retail Banking segment engages in consumer lending, deposit generation, and direct banking activities, which include the operation of automated teller machines (ATMs), and telebanking. It also provides business and professional banking, as well as residential real estate lending and loan servicing. The Commercial Banking segment offers middle market loans, equipment financing, insurance premiums financing, asset-based and commercial real estate lending, and deposit and cash management services. The Wealth and Investment Services segment provides wealth management services for individuals and institutions. It serves high net worth clients, not-for-profit organizations, and business clients with investment management, trust, credit and deposit products, and financial planning services. It also offers brokerage and investment products, including brokerage and investment advice, and online investing services. In addition, Webster, as a regional insurance agency, provides insurance products and services that include: commercial and personal property and casualty insurance; life, health, disability, and long-term care insurance for individuals and businesses; annuities and investment products; and risk management services. As of June 30, 2005, the provided its services through 154 banking offices, 291 ATMs, and its Internet Web site. WFC was founded in 1935 and is based in Waterbury, Connecticut.


NBT BANCORP INC (NBTB)

NBT Bancorp, Inc., a financial holding company, provides commercial banking and financial services to individuals, corporations, and municipalities in the central and upstate New York and northeastern Pennsylvania. The company, through its primary subsidiary, NBT Bank, N.A., engages in generating deposits and originating loans. The bank's deposit products include time, savings, NOW, money market, and demand deposits. It offers various loans, such as real estate mortgages loans, commercial and agricultural loans, consumer loans, real estate construction and development loans, commercial construction loans, lease financing, and home equity loans. NBT Bank's security portfolio comprises U.S. Treasury securities, Federal Agency and mortgage-backed securities, and state and municipal collateralized mortgage obligations and other securities. The bank also offers various other services, such as venture capital services; automobile and equipment leases to individuals and small business entities; property management services. As of August 24, 2005, the bank had 74 offices in upstate New York and Scranton, as well as had 39 offices in northeastern Pennsylvania. NBT Bancorp, through NBT Services, Inc., provides title insurance products to individuals and corporations. The company was formed in 1856 and is headquartered in Norwich, New York.


INDEPENDENT BANK CORP (INDB)

Independent Bank Corp. operates as the holding company for Rockland Trust Company, which provides commercial banking, retail banking, and investment management services. It offers a range of demand deposits, interest checking, money market accounts, savings accounts, and time certificates of deposit. The company also offers commercial loans, which include loans to businesses for working capital and other business-related purposes, and floor plan financing; real estate loans, including commercial mortgages that are secured by nonresidential properties, residential mortgages, and mortgages for the construction of commercial and residential properties; and consumer loans that consist primarily of automobile loans and home equity loans. In addition, the company provides investment and trust services to individuals, small businesses, and charitable institutions. Its securities portfolio consists of the U.S. government and the U.S. government agency obligations; state, county, and municipal securities; mortgage-backed securities; federal home loan bank stock; corporate debt securities; and equity securities. As of December, 31, 2004, it operated 53 banking offices, 7 commercial lending centers, 3 investment management offices, and 4 residential lending centers, which are located in the Plymouth, Norfolk, Barnstable, and Bristol Counties of southeastern Massachusetts and Cape Cod. The company was founded in 1907 and is headquartered in Rockland, Massachusetts.


CODORUS VALLEY BANCORP INC (CVLY)

Codorus Valley Bancorp, Inc. operates as the holding company for PeoplesBank that offers various business and consumer banking services in the York County, Pennsylvania. The bank engages in generating deposits and originating loans. Its deposit products include checking, savings, and individual retirement accounts, as well as certificates of deposit. The bank's loan portfolio primarily comprises consumer and commercial loans, and credit cards. It also offers investment, insurance, trust, and real estate services. As of June 30, 2005, the bank operated 14 financial centers in the York County, Pennsylvania. Codorus Valley Bancorp is headquartered in York, Pennsylvania.


LEGACY BANCORP INC (LEGC)

Legacy Bancorp, Inc. operates as the holding company for Legacy Banks (bank), which provides financial products and services to individuals, families, and businesses in Massachusetts. The bank offers various deposit products, including checking, regular savings, money market deposits, and time deposits, including certificate of deposit accounts and individual retirement accounts. It also originates residential real estate loans secured by one-to-four-family residences; commercial real estate loans; residential and commercial construction loans; commercial loans; home equity lines-of-credit; fixed rate home equity loans; and other personal consumer loans, such as auto loans, manufactured housing loans, and loans secured by passbook savings or certificate accounts. In addition, the bank provides insurance and investment products and services, investment portfolio management, debit and credit card products, and online banking. As of December 31, 2006, it operated through 10 offices located in Berkshire County in Massachusetts; and 1 loan production office located in Colonie, New York. The company was founded in 1835 and is headquartered in Pittsfield, Massachusetts.


FULTON FINANCIAL CORPORATION (FULT)

Fulton Financial Corporation operates as a holding company, which offers various retail and commercial banking and financial services to businesses and consumers in Pennsylvania, Maryland, New Jersey, Delaware, and Virginia. The banks offer checking and savings products, certificates of deposits, and individual retirement accounts; as well as offers secured loan products, including home equity loans and lines of credit; fixed and variable-rate products, including construction loans and jumbo loans; Residential mortgages; and consumer loan products, including automobile loans, automobile and equipment leases, credit cards, personal lines of credit, and checking account overdraft protection. Through its financial services subsidiaries, the corporation offers credit life and accident reinsurance, health insurance, investment management, trust, brokerage, and investment advisory services. Fulton Financial Corporation invests in U.S. Government and agency, state and municipal, equity, corporate debt, and mortgage-backed securities. As of July 26, 2005, the company operated 232 banking offices. The Fulton Financial Corporation was incorporated in 1982 and is headquartered in Lancaster, Pennsylvania.


ROYAL BANCSHARES OF PENNSYLVANIA INC (RBPAA)

Royal Bancshares of Pennsylvania, Inc. operates as the bank holding company for Royal Bank America, which provides general banking services to individual and corporate customers. The bank's deposit products consist of demand deposits, checking accounts, money market deposit accounts, savings and super NOW, and time deposits. Its loan products include commercial demand; commercial mortgages; residential mortgages, including home equity lines of credit; construction loans; real estate tax liens; and installment loans. Royal Bank also offers safe deposit boxes, collections, Internet banking, and bill payment along with other customary bank services. In addition, it provides drive-up, automated teller machines, and night depository facilities to its customers. The bank's primary service area includes Montgomery, Chester, Bucks, Delaware, Berks and Philadelphia counties, New Jersey; and the State of Delaware. As of December 31, 2004, the bank operated 20 branches in Montgomery, Philadelphia, and Berks counties; and New Jersey. The company was incorporated in 1963 and is headquartered in Narberth, Pennsylvania.


SUN BANCORP INC (SNBC)

Sun Bancorp, Inc. operates as the holding company for Sun National Bank that provides consumer and business banking services in central and southern New Jersey. It accepts checking, regular savings, money market deposits, term certificate accounts, and individual retirement accounts. The bank offers short-and long-term business loans, lines of credit, commercial real estate loans, and real estate construction loans, home equity loans, second mortgage loans, and residential real estate loans. It also offers cash management services, electronic banking, sweep accounts, lockbox services, Internet banking, PC banking, and controlled disbursement, and other financial services. The bank, third party arrangement, offers mutual funds, securities brokerage, annuities, and investment advisory services. It invests primarily in federal funds, securities issued or guaranteed by the United States government or its agencies, states and political subdivisions, and corporate bonds. As of December 31, 2004, the bank operated 73 community banking centers in southern and central New Jersey, in the contiguous New Castle County market in Delaware, and in Philadelphia, Pennsylvania. The company was founded in 1985 and is headquartered in Vineland, New Jersey.


VALLEY NATIONAL BANCORP (VLY)

Valley National Bancorp operates as the holding company for Valley National Bank, which provides commercial and retail banking services. It accepts demand, savings, and time deposits. The bank also offers consumer, real estate, small business administration, and other commercial credits. In addition, it offers equipment leasing and personal and corporate trust services, as well as pension and fiduciary services. The company, through its other subsidiaries, provides title insurance agency services, investment advice and securities brokerage services. As of December 31, 2004, the bank operated 133 branch offices located in northern New Jersey and Manhattan. Valley National Bancorp was founded in 1927 and is headquartered in Wayne, New Jersey.


GREAT LAKES BANCORP INC (GLK)

Great Lakes Bancorp, Inc. operates as the holding company for the Greater Buffalo Savings Bank, which offers banking services for consumer and commercial customers located principally in western New York. Its deposit products include demand accounts, checking accounts, NOW accounts, money market accounts, time deposits, retirement accounts, and savings accounts, as well as certificates of deposit. The company also offers commercial real estate and multi-family loans secured principally by first liens on industrial and warehouse properties, office buildings, retail shopping centers, apartment buildings, condominium projects, and similar commercial properties; commercial and industrial loans to finance purchases of equipment and inventories, business expansion, and working capital needs, as well as for other general business purposes; consumer loans, including home equity loans and lines of credit, automobile loans, secured installment loans, and various secured and unsecured personal loans; and mortgage loan products to finance primary homes, as well as seasonal and vacation homes, and investment properties. In addition, it provides cash management services, wire transfer services, letters of credit, Internet banking services, and debit cards, as well as automated teller machines. As of December 31, 2006, the company had 14 full-service banking branches in Erie County, Chautauqua County, and Niagara County, New York. Great Lakes Bancorp was founded in 1999 and is based in Buffalo, New York.


NORTHEAST BANCORP (NBN)

Northeast Bancorp operates as the holding company for Northeast Bank, which provides banking services in Maine. The bank primarily engages in generating deposits and originating loans. Its deposit products include NOW accounts, savings accounts, money market accounts, and certificates of deposit. The bank originates and purchases conventional mortgages for the purpose of construction, financing, and refinancing one-to-four family residential properties, and commercial properties. Its consumer loans include loans for automobiles, boats, home improvements, and personal investments. In addition, the bank offers property and casualty insurance products; and investment brokerage services, including financial planning products and services. The bank primarily invests in mortgage-backed securities and securities issued by the United States government sponsored enterprises. As of September 30, 2005, it operated 13 banking offices and 8 insurance offices located in western and south-central Maine. The company was founded in 1872 and is headquartered in Lewiston, Maine.


GREATER COMMUNITY BANCORP (GFLS)

Greater Community Bancorp, through its subsidiaries, offers commercial and retail banking services to individual consumers, businesses, and governmental units in New Jersey. It offers consumer and commercial checking accounts, NOW accounts, and savings and time deposits; and makes commercial and residential real estate, short and medium term, revolving credit arrangements, lines of credit, and consumer installment loans. In addition, the bank engages in securities brokerage business, and vendor-driven lease programs that focus primarily on small to medium ticket medical equipment leasing. As of December 31, 2004, it operated 16 full service offices located in Bergen, Passaic, and Morris Counties, New Jersey. The company invests in US treasury obligations, state and political subdivisions, federal agency and mortgage backed securities, and corporate bonds. Greater Community Bancorp was incorporated in 1984 and is based in Totowa, New Jersey.


WESTFIELD FINANCIAL INC (WFD)

Westfield Financial, Inc. operates as the holding company for Westfield Bank that provides commercial banking services in Massachusetts. The bank engages in generating deposits and originating loans. Its deposit products include savings, negotiable order of withdrawal, demand, money market, and time deposit accounts. The bank's loan portfolio comprises real estate, commercial, industrial, consumer, and mortgage loans. It primarily invests in the federal agency obligations, municipal bonds, and corporate debt securities. As of September 30, 2005, the bank operated 10 branches in western Massachusetts. The company was founded in 1853 and is based in Westfield, Massachusetts.


PARKE BANCORP INC (PKBK)

Parke Bancorp, Inc. operates as the holding for the Parke Bank, which provides various commercial banking services primarily in New Jersey and Pennsylvania. The bank primarily offers various loan and deposit products. Its commercial loan products include residential and commercial real estate construction loans; working capital loans and lines of credit; demand, term, and time loans; and equipment, inventory, and accounts receivable financing. Its retail lending activities include residential mortgage loans, home equity lines of credit, fixed rate second mortgages, new and used auto loans, and overdraft protection. The bank's deposit products include deposit and checking accounts, regular savings deposits, now and money market savings accounts, and time deposits. Parke Bank also offers other products and services, such as debit cards and Internet banking to retail customers, as well as overnight depository, automated clearinghouse, and wire transfer service to commercial customers. The bank invests in the U.S. Treasury obligations, the U.S. federal agency or federally sponsored agency obligations, local municipal obligations, mortgage-backed securities, corporate trust preferred securities, and mutual funds. Parke Bank operated through its principal office in Washington Township, New Jersey; two branch offices in Northfield and Washington Township, New Jersey; and a loan production office in Philadelphia, Pennsylvania, as December 31, 2004. Parke Bancorp is based in Washington Township, New Jersey.


COMMUNITY BANK SYSTEM INC (CBU)

Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that offers various banking and financial services to the retail, commercial, and municipal customers. The bank offers various deposit products comprising checking, savings, negotiable order of withdrawal, time, and money market deposits. Its loan portfolio primarily includes consumer loans, home equity loans, and student loans. The bank also offers various financial services that consist of investment, asset management, and trust services. In addition, it offers debit and credit cards, savings bonds, and safety deposit box, as well as provides online banking services. As of July 25, 2005, it operated approximately 130 customer facilities in upstate New York and northeastern Pennsylvania. Community Bank System, Inc. is based in DeWitt, New York.


ARROW FINANCIAL CORPORATION (AROW)

Arrow Financial Corporation operates as the holding company for Glens Falls National Bank and Trust Company (GFNB), and Saratoga National Bank and Trust Company. It offers a range of commercial and consumer banking and financial products. Arrow provides a range of deposit products, such as interest-bearing NOW deposits, regular and money market savings, and time deposits, as well as engages in various lending activities, including commercial and industrial lending primarily to small and mid sized companies; mortgage lending for residential and commercial properties; and consumer installment and home equity financing. In addition, the company provides retirement planning, trust, and estate administration services for individuals; and pension, profit-sharing, and employee benefit plan administration for corporations. It operates primarily in northern New York state in Warren, Washington, Saratoga, Essex, and Clinton counties and surrounding areas. As of December 31, 2004, the company operated 22 branch offices. Arrow Financial was founded in 1851 and is headquartered in Glens Falls, New York.


FIRST NATIONAL LINCOLN CORPORATION (FNLC)

First National Lincoln Corporation operates as the holding company for The First National Bank of Damariscotta that provides retail banking services in Maine. The bank engages in generating deposits and originating loans. Its deposit products include demand, money market, and savings deposits, as well as certificates of deposits and negotiable order of withdrawal accounts. The bank's loan portfolio comprises commercial, consumer, state and municipal, and real estate loans. It also provides investment management and private banking services, as well as offers trust services. The bank primarily invests in the obligations of the U.S. Treasury and government agency securities and states and political subdivisions. The company was formed in 1864 and is based in Damariscotta, Maine.


OMEGA FINANCIAL CORPORATION (OMEF)

Omega Financial Corporation, a bank holding company, provides retail and commercial banking and other financial services primarily in central and northeastern Pennsylvania. The bank deposit products include checking accounts, NOW accounts, savings accounts, money market accounts, investment certificates, fixed rate certificates of deposit, and club accounts. Its loan portfolio comprises secured and unsecured commercial and consumer loans, construction and mortgage loans, safe deposit facilities, credit loans with overdraft checking protection, and student loans. Omega Financial also offers Internet and telephone banking, debit cards, an automated teller machine network, payroll direct deposit, commercial lending, commercial cash management services, lockbox service, and repurchase agreements. In addition, it provides various other services, such as trust services, asset management services, and lease servicing. Additionally, the company offers annuities, mutual funds, stock and bond brokerage services, long-term care insurance, and life products. Omega Financial primarily invests in the obligations and securities issued by U.S. Treasury or other government agencies or corporations; obligations of state and local political subdivisions, corporate, and other securities; mortgage-backed securities; and common stock. As of December 31, 2004, it operated 68 offices in Bedford, Blair, Centre, Clinton, Cumberland, Dauphin, Huntingdon, Juniata, Luzerne, Lycoming, Mifflin, Northumberland, Snyder, and Union counties. Omega Financial was formed in 1982 and is headquartered in State College, Pennsylvania.


IBT BANCORP INC PA (IRW)

IBT Bancorp, Inc. operates as the holding company for Irwin Bank & Trust Co., which provides commercial and retail banking services. The bank accepts checking, regular savings, money market deposits, term certificate accounts, and individual retirement accounts. It also offers mortgage loans, which consists of one-to four-family residential mortgage loans, commercial real estate loans, and construction loans; installment loans, including home equity term loans and automobile loans; commercial loans, such as loans secured by equipment, accounts receivables, inventory, and other business purpose loans; home equity lines of credit secured by one- to four-family residences; and other loans. In addition, the bank provides trust services, including trust management, estate planning and administration, investment counseling and management, and retirement planning. It serves as trustee for testamentary and charitable trusts; and administers investment agencies, employee benefit plans, guardianships, and special needs trusts. The bank invests in obligations of U.S. government agencies, obligations of state and political subdivisions, municipal obligations, mortgage-backed securities, equity securities, and other securities. As of December 31, 2004, the bank operated seven branch offices, a loan center, and a trust office, as well as five supermarket branches located in the Pennsylvania counties of Westmoreland and Allegheny. The company was incorporated in 1922 and is headquartered in Irwin, Pennsylvania.


COMMUNITY PARTNERS BANCORP (CPBC)

Community Partners Bancorp operates as a holding company of Two River and Town Bank, which provide commercial and retail banking products and services to small and medium-sized businesses, professionals, and individual consumers primarily in Monmouth and Union Counties, New Jersey. The company offers business loans and consumer lending products; checking, savings, money market and certificates of deposit; corporate services for businesses and professionals; safe deposit boxes; ACH services; debit card; and check deposit pick-up services. It also provides traveler's checks, money orders, treasurer's checks, and direct deposit facilities, as well as Internet banking services. The company's loan portfolio comprises commercial and residential real estate loans, commercial and construction loans, and residential real estate and consumer loans. In addition, it offers safety deposit boxes, night depository, wire transfers, travelers' checks, automated teller machines, direct deposit, federal payroll tax deposits, telephone and Internet banking, and merchant card services. As of December 31, 2006, Community Partners operated 12 branch offices and an operations center in Monmouth County, Westfield, and Union County, New Jersey. The company is founded in 1998 and is based in Middletown, New Jersey.


TOMPKINSTRUSTCO INC (TMP)

Tompkins Trustco, Inc. operates as a holding company for the Tompkins Trust Company, The Bank of Castile, and The Mahopac National Bank, which offer commercial banking services in the United States. The banks offer loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing. It also accepts retail banking services, including checking accounts, savings accounts, time deposits, IRA products, and brokerage services, as well as offer residential mortgage, personal, home equity, credit cards, debit cards, and safe deposit services. The banks offer its through various delivery systems, including branch facilities, automated teller systems, voice response, and Internet banking. In addition, it offers other commercial services that include deposit and cash management services, letters of credit, sweep accounts, credit cards, purchasing cards, merchant processing, and Internet-based account services. The company also provides money management services, including investment management accounts, custody accounts, trusts, retirement plans and rollovers, estate settlement, and financial planning, as well as insurance services. Its securities portfolio consists of U.S. government and agency securities, obligations of states and political subdivisions, equity securities, and interest-bearing deposits. Tompkins was founded in 1995 and is headquartered in Ithaca, New York.


M&T BANK CORPORATION (MTB)

M&T Bank Corporation operates as the holding company for M&T Bank and M&T Bank, National Association that provide commercial and retail banking services to individuals, corporations, and other businesses and institutions. The banks offer various banking services, including loans and deposits, trust, mortgage banking, asset management, insurance, and other financial services. The banks also offer negotiable order of withdrawal accounts, savings, time, and noninterest-bearing deposit products, as well as residential and commercial real estate, commercial, financial, secured or guaranteed and unsecured consumer loan products, and commercial and consumer leases. The company, through its nonbanking subsidiaries, reinsures credit life, and accident and health insurance; originates and provides residential mortgage loans; engages in commercial real estate lending; and provides securities brokerage and investment advisory services. As of December 31, 2004, M&T Bank had 662 banking offices located in the New York state, Pennsylvania, Maryland, Delaware, Virginia, West Virginia and the District of Columbia, as well as a branch in George Town, Cayman Islands. M&T Bank Corporation is headquartered in Buffalo, New York.


U.S.B. HOLDING COMPANY INC (UBH)

U.S.B. Holding Co., Inc. operates as the holding company for Union State Bank that provides commercial banking services primarily in New York and Connecticut. The bank engages in generating deposits and originating loans. Its deposit products include checking, negotiable order of withdrawal, money market, savings, certificates of deposit, and retirement accounts. The bank's loan portfolio comprises commercial, personal, residential, construction, home equity, condominium mortgage, and consumer loans. It also provides credit card, safe deposit facility, and other financial services, as well as offers automated teller machine, lock-box, and Internet banking services. In addition, the bank sells financial products, such as mutual funds, stocks and bonds, annuities, and life insurance products. It primarily invests in the obligations of the U.S. government agencies, mortgage-backed securities, and obligations of states and political subdivisions. As of September 30, 2005, the bank operated 28 branches and 4 loan centers in Rockland, Westchester, and Orange counties, and New York City in New York, and Stamford, Connecticut. U.S.B. Holding was formed in 1969 and is headquartered in Orangeburg, New York.


JEFFERSONVILLE BANCORP (JFBC)

Jeffersonville Bancorp operates as the holding company for The First National Bank of Jeffersonville, which provides commercial banking related services in New York. The bank accepts demand deposits, NOW and super NOW accounts, savings and insured money market deposits, and time deposits. It also offers real estate, commercial, consumer, and agricultural loans. The bank's investment portfolio comprises of U.S. government agency obligations, municipal securities, mortgage backed securities and collateralized mortgage obligations, and other securities. As of December 31, 2004, the bank operated nine branch offices in Eldred, Liberty, Loch Sheldrake, Monticello, Livingston Manor, Narrowsburg, and Callicoon. Jeffersonville Bancorp is headquartered in Jeffersonville, New York.


STATE BANCORP INC (STBC)

State Bancorp, Inc. operates as the holding company for State Bank of Long Island, which conducts general banking business focusing on the small to mid-sized business, municipal, and consumer markets in Long Island and Queens, New York. The company offers various products and services, including checking, savings, time, money market, and IRA accounts; and secured and unsecured commercial and consumer, personal, residential, and commercial mortgage loans. It also offers credit services, such as commercial mortgage loans, construction mortgage loans, letters of credit, equipment leasing, other commercial installment loans, lines of credit, home equity lines of credit, and auto loans. In addition, the company offers safe deposit services, merchant credit card services, access to annuity products and mutual funds, and consumer debit card with membership in national ATM network. Further, it offers financial planning and wealth management, on-line banking, bill payment, and cash management services. As of December 31, 2006, State Bancorp operated 16 branches in Nassau, Suffolk, and Queens counties; and a lending center in Jericho, New York. The company was founded in 1966 and is headquartered in New Hyde Park, New York.


FIRST COMMONWEALTH FINANCIAL CORPORATION (FCF)

First Commonwealth Financial Corporation operates as the holding company for First Commonwealth Bank (FCB), which offers various financial services and retail banking services in western and central Pennsylvania. It attracts checking, NOW, savings, money market deposit, and certificate of deposit accounts; as well as offers mortgage, consumer, installment, and commercial loans. As of December 31, 2004, FCB operated through 103 banking facilities and a network of 105 automated teller machines. The company, through its other subsidiaries, offers personal and corporate trust services, including administration of estates and trusts; individual and corporate investment management and custody services, and employee benefit trust services. It also offers insurance and annuity products; reinsurance for credit life, credit accident, and health insurance; financial planning, asset management, and consulting services; and professional services to affiliated organizations. First Commonwealth Financial Corporation was incorporated in 1982 and is headquartered in Indiana, Pennsylvania.


1ST CONSTITUTION BANCORP (NJ) (FCCY)

1st Constitution Bancorp operates as the holding company for 1st Constitution Bank, which provides commercial and retail banking services primarily in Middlesex, Mercer, and Somerset counties, New Jersey. The bank accepts noninterest bearing demand deposits, money market and NOW accounts, savings deposits, certificates of deposit, and other time deposits. It also offers term loans, lines of credit, equipment loans, and receivable financing loans; secured and unsecured commercial loans to businesses for working capital, business expansion, and the purchase of equipment and machinery; construction loans to real estate developers for the acquisition, development, and construction of residential subdivisions; second mortgage home improvement loans and home equity lines of credit; and consumer loans, including loans for automobiles, recreation vehicles, and boats, as well as secured and unsecured personal loans, and deposit account secured loans. In addition, the bank provides safe deposit rentals, wire transfer service, and automated teller machines. It offers its products and services to individuals, small businesses, institutions, and not-for-profit organizations. The bank invests in U.S. treasury securities, obligations of U.S. government sponsored corporations and agencies, mortgage-backed securities, obligations of state and political subdivisions, FHLB stock, and other securities. As of December 31, 2004, it operated eight branch offices in downtown Cranbury, Hamilton Square, Jamesburg, Montgomery, Perth Amboy, Plainsboro, West Windsor, and Princeton, New Jersey; and a loan production office in Fort Lee, New Jersey. The company was founded in 1989 and is based in Cranbury, New Jersey.


UNIVEST CORPORATION OF PENNSYLVANIA (UVSP)

Univest Corporation of Pennsylvania operates as the holding company for Univest National Bank and Trust Co., which provides commercial banking services. It accepts demand, checking, money market savings, regular savings, certificates of deposits, and time open and club accounts. The bank also offers commercial, financial and agricultural, real estate commercial and construction, real estate residential, and municipal loans, as well as loans to individuals. The company, through its subsidiaries, provides financial planning, investment management, insurance products, and brokerage services to individuals and businesses. Univest Corporation is based in Souderton, Pennsylvania.


NATIONAL PENN BANCSHARES INC (NPBC)

National Penn Bancshares, Inc. operates as the holding company for National Penn Bank, which provides commercial banking services in Maryland. It offers demand, NOW, money market, certificates of deposit, checking, and savings accounts. The bank also offers installment loans, home equity loans, residential mortgage loans, multifamily loans, educational loans, and credit cards. It also offers short-term loans for seasonal and working capital purposes, term loans secured by real estate and other assets, loans for construction and expansion needs, revolving credit plans, and other commercial loans to proprietors, professionals, partnerships, and corporations. In addition, the bank offers automated teller services; safe deposit and night depository facilities; and internet banking services, including online bill paying. It also provides trust and investment management services, and insurance services. The bank invests primarily in agency and municipal bonds. As of December 31, 2004, it operated 73 community banking offices in southeastern Pennsylvania and 1 community office in Cecil County, Maryland. The company was founded in 1874 and is headquartered in Boyertown, Pennsylvania.


HARLEYSVILLE NATIONAL CORPORATION (HNBC)

Harleysville National Corporation operates as the holding company for Harleysville National Bank and Trust Company (bank) that provides commercial banking services to individual and corporate customers in eastern Pennsylvania. The bank's commercial banking and trust businesses include accepting time and demand deposits; making secured and unsecured commercial and consumer loans; financing commercial transactions; making construction and mortgage loans; and performing corporate pension, and personal investment and trust services. As of December 31, 2004, Harleysville National Bank operated 45 branches. It investment portfolio includes the U.S. Treasury notes, obligations of other United States Government agencies and corporations, obligations of states and political subdivisions, mortgage-backed securities, and other securities. The company, through HNC Reinsurance Company, reinsures consumer loan credit, life, and accident and health insurance. Harleysville National Corporation was formed in 1909 and is headquartered in Harleysville, Pennsylvania.


SMITHTOWN BANCORP INC (SMTB)

Smithtown Bancorp, Inc. operates as the holding company for Bank of Smithtown that provides various financial products and services in the state of New York. The bank engages in generating deposits and originating loans. Its deposit products include demand, savings, and time deposits. The bank's loan portfolio comprises real estate, individual, commercial, and industrial loans. It also offers merchant credit and debit card processing, safe deposit boxes, online banking, telephone banking, automated teller machines, and individual retirement accounts. In addition, the bank offers tax deferred annuities and mutual funds, commercial and personal insurance products, and trust services. It primarily invests in the obligations of the U.S. government agency securities; obligations of state and political subdivisions; and FNMA, FHLMC, and FHLB mortgage-backed securities. As of December 31, 2004, the bank operated 11 branches in Northport and Wading River region in New York. The company was formed in 1910 and is headquartered in Hauppauge, New York.


HARLEYSVILLE SAVINGS BANK (HARL)

Harleysville Savings Financial Corporation operates as the holding company for Harleysville Savings Bank, which offers general banking services in Montgomery County, Pennsylvania. The bank primarily involves in accepting deposits and originating loans. Its deposit products primarily include passbook and club savings accounts, NOW and regular checking accounts, money market deposit accounts, retirement accounts, and certificates of deposits. The bank originates various loans, which primarily include loans secured by first mortgages on single-family and multifamily residential properties; construction loans; loans secured by commercial real estate; and consumer loans, such as installment home equity loans, home equity lines of credit, automobile loans, loans on savings accounts, and education loans. The bank's investment portfolio consists primarily of the United States Treasury securities and obligations of the United States government agencies, as well as interest-bearing deposits in other banks, tax-exempt obligations, money market mutual funds, and stock of the FHLB of Pittsburgh. As of September 30, 2005, the bank operated 5 offices located in Montgomery County, Pennsylvania. It also offers its services through the automated teller machines, Internet, and telephone. The company was incorporated in 1915 and is headquartered in Harleysville, Pennsylvania.


SUSSEX BANCORP (SBBX)

Sussex Bancorp operates as the bank holding company for Sussex Bank, which provides commercial banking services in the United States. Its deposit products include personal and business checking accounts and time deposits, money market accounts, and regular savings accounts. The company offers commercial, consumer, mortgage, home equity, and personal loans. It also operates a general insurance agency, which offers commercial and personal lines of insurance. As of December 31, 2006, the company operated nine branch offices in Vernon, Montague, Sparta, Wantage, Newton, Andover, and Augusta, New Jersey; and Port Jervis and Warwick, New York. Sussex was founded in 1975 and is based in Franklin, New Jersey.


CENTURY BANCORP INC (CNBKA)

Century Bancorp, Inc. operates as the holding company for Century Bank and Trust Company, which provides various banking services in Massachusetts. The bank accepts demand deposits, savings and NOW deposits, money market accounts, and time deposits. It also offers single and multifamily residential loans, commercial and commercial real estate loans, construction loans, home equity lines, and various consumer loans. In addition, the bank provides automated lock box collection services, cash management services and account reconciliation services; securities brokerage and investment services; transaction processing and short term financing to municipalities; and financial advisory services and related securities credit services. It offers its products and services to commercial enterprises, state and local governments and agencies, nonprofit organizations, and individuals. The bank's investment portfolio comprises U.S. government and agencies securities, Obligations of states and political subdivisions, and mortgage-backed securities. As of September 30, 2005, the bank operated 23 banking offices in 16 cities and towns in Massachusetts. The company was formed in 1969 and is headquartered in Medford, Massachusetts.


CENTRAL JERSEY BANCORP (CJBK)

Central Jersey Bancorp operates as a holding company for Monmouth Community Bank, N.A. and Allaire Community Bank that provide a range of financial products and services in New Jersey. The company offers various deposit products, including demand, savings, money market, and time deposit accounts. Its loan portfolio comprises real estate, commercial, industrial, and consumer loans. The company also offers various services, such as wire transfers, money orders, traveler's checks, safe deposit boxes, night depositories, federal payroll tax deposits, bond coupon redemption, bank by mail, direct deposit, automated teller services, and telephone and Internet banking. In addition, it offers debit card, merchant card, and international services. The company primarily invests in the obligations of the U.S. government agencies and mortgage-backed securities. As of March 11, 2005, Central Jersey Bancorp operated 14 branches in Belmar, Bradley Beach, Long Branch, Manasquan, Point Pleasant, Spring Lake Heights, Neptune City, Little Silver, Ocean Grove, Neptune, and Wall Township, New Jersey. The company was formed in 1998 and is headquartered in Long Branch, New Jersey.


M B T FINANCIAL CORP (MBTF)

MBT Financial Corp. operates as the holding company for Monroe Bank & Trust that provides retail and commercial banking services in Michigan. The bank engages in generating deposits and originating loans. Its deposit products include savings, money market, checking, and time deposits, as well as certificates of deposit and negotiable order of withdrawal accounts. The bank's loan portfolio comprises commercial, personal, real estate mortgage, and installment loans, as well as individual retirement accounts. It also offers safe deposit facilities, automated teller machines and night depository facilities, treasury management services, telephone and Internet banking, personal trust, employee benefit, and investment management services. The bank primarily invests in the U.S. Government agency and corporation obligations, securities issued by states and political subdivisions, and other securities. As of June 30, 2005, it operated 21 branches in Monroe County and 5 branches in Wayne County, Michigan. The company was founded in 1858 and is headquartered in Monroe, Michigan.


SUSQUEHANNA BANCSHARES INC (SUSQ)

Susquehanna Bancshares, Inc., through its subsidiaries, provides various retail and commercial banking services. The banks accepts checking, savings and club accounts, check cards, debit cards, money market accounts, cash management services, certificates of deposits, and individual retirement accounts. These banks also offers home equity lines of credit, residential mortgage loans, home improvement loans, student loans, automobile loans, personal loans, land acquisition and development loans, commercial loans, floor plan, equipment and working capital lines of credit, small business loans, and internet banking services. The company, through its other nonbanking subsidiaries, provides commercial and personal property and casualty insurance, and risk management programs; traditional trust and custodial services; investment advisory, asset management, and brokerage services for institutional and high net worth individual clients; consumer vehicle financing services; and commercial leasing services. The company is based in Lititz, Pennsylvania.


MAGYAR BANCORP INC (MGYR)

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that offers various banking products and services in primarily in New Jersey. It accepts demand accounts, NOW accounts, money market accounts, savings accounts, retirement accounts, and certificates of deposit. The bank's loan portfolio comprises mortgage loans, home equity loans, home equity lines of credit, commercial real estate loans, commercial business loans, and construction loans. It also provides a range of nondeposit investment products and financial planning services, including insurance products, fixed and variable annuities, and retirement planning services for individual and commercial customers. As of September 30, 2006, the bank operated three branch offices located in North Brunswick, South Brunswick, and Branchburg, New Jersey. Magyar Bancorp was founded in 1922 and is headquartered in New Brunswick, New Jersey. Magyar Bancorp, Inc. operates as a subsidiary of Magyar Bancorp MHC.


CAMDEN NATIONAL CORPORATION (CAC)

Camden National Corporation operates as the holding company for Camden National Bank and UnitedKingfield Bank that provide commercial banking services in Maine. The banks engage in generating deposits and originating loans. Its deposit products include negotiable order of withdrawal accounts, savings accounts, money market accounts, certificates of deposit, and broker certificates of deposit. The banks' loan portfolio comprises residential mortgage, commercial business, commercial real estate, and consumer loans. They also provide brokerage and insurance services, as well as offer wealth management, trust, and employee benefit administration services. The banks primarily invest in the obligations of the U.S. treasury and agency, mortgage-backed securities, state and political subdivisions, and other securities. As of December 31, 2004, they operated 28 facilities. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.


BANCORP RHODE ISLAND INC (BARI)

Bancorp Rhode Island, Inc. operates as the holding company for Bank Rhode Island (bank). The bank provides commercial banking services in the greater Providence market in the state of Rhode Island. It offers a range of commercial real estate, business, residential, and consumer loans; deposit products; nondeposit investment products; cash management and online banking services; and other banking products and services to individuals and small to mid sized businesses. The bank offers a range of deposit products, including demand-type accounts, certificates of deposit, and checking and savings accounts, as well as provides nondeposit investment products, such as mutual funds, stock and bond trading, unit investment trusts, fixed and variable annuities, online brokerage access, and life insurance products. It originates nonowner-occupied commercial real estate, multifamily residential real estate, and construction loans; and owner-occupied commercial real estate loans, term loans, and revolving lines of credit, as well as offers real estate and nonreal estate loans for business lending relationships. The bank also offers home equity term loans, home equity lines of credit, direct automobile loans, savings secured loans, and personal loans, as well as residential mortgage loans. In addition, it engages in the maintenance and management of intangible investments; and the collection and distribution of the income from such investments. The bank's portfolio primarily comprises U.S. agency securities, mortgage-backed securities, collateralized mortgage obligations, corporate debt securities, Federal Home Loan Bank of Boston stock, and overnight investments. As of December 31, 2004, it operated a network of 14 branch offices located in Providence, Kent, and Washington Counties. Bancorp Rhode Island is headquartered in Providence, Rhode Island.


STERLING BANCORP (STL)

Sterling Bancorp operates as a holding company for Sterling National Bank, which provides commercial banking services in the United States. The bank accepts deposits, including demand, NOW, savings, money market, and time deposits. It also offers consumer loans, commercial and residential mortgage lending and brokerage, asset based financing, and factoring/accounts receivable management services. Its securities portfolio comprises of U.S. government and U.S. government corporation, and agency guaranteed mortgage backed securities. The company, through its other subsidiaries, provides trade financing, equipment leasing, deposit services, trust and estate administration, and investment management services. As of December 31, 2004, the bank operated eight offices in New York City; one branch in Nassau County in Great Neck, New York; and one branch in Yonkers, New York. The company was founded in 1929 and is headquartered in New York City.


STERLING FINANCIAL CORPORATION (SLFI)

Sterling Financial Corporation operates as a holding company for Bank of Lancaster County, N.A, Bank of Hanover and Trust Company, Pennsylvania State Bank, and First National Bank of North East, which provide commercial banking services. The banks accept noninterest-bearing, NOW and money market, demand, saving, and time deposits, as well as offers commercial, consumer, and residential mortgages loans. The bank delivers its services through alternative delivery channels, including the ATM network, internet, and telephone banking. The company, through its other subsidiaries, provides fleet and equipment financing services to commercial businesses; retirement planning services, investment management, custody, and other corporate trust services to small to medium size businesses; and personal wealth management services include investment management, brokerage, estate and tax planning, as well as trust management and administration for high net worth individuals and their families. In addition, it also offers insurance and related services. As of December 31, 2004, the company and its affiliates operated 63 offices located in Lancaster, York, Adams, Lebanon, Berks, Chester, Bucks, Cumberland, and Dauphin Counties in Pennsylvania; Cecil and Carroll Counties in Maryland; and New Castle County in Delaware. The company was founded in 1863 and is headquartered in Lancaster, Pennsylvania.


ALLIANCE FINANCIAL CORPORATION (ALNC)

Alliance Financial Corporation operates as the holding company for Alliance Bank, N.A. that provides a range of financial products to the commercial, retail, government, and trust customers. The bank offers various deposit products, including interest and noninterest bearing checking accounts, money market accounts, savings accounts, time deposit accounts, and individual retirement accounts. Its lending services comprise residential and commercial mortgage loans, business lines of credit, working capital facilities, and business term loans, as well as installment loans, home equity loans, and personal lines of credit to individuals. The bank also offers trust and investment department services, such as personal trust, employee benefit trust, investment management, custodial, and financial planning. It invests in U.S. Treasury and other U.S. Government agencies, mortgage-backed securities, obligations of states and political subdivisions, Federal Home Loan Bank and Federal Reserve Bank stock, and other equity securities. In addition, the bank provides financial counseling and brokerage services. Further, it offers safe deposit boxes, travelers checks, money orders, wire transfers, collection services, drive-up banking facilities, night depositories, automated teller machines, telephone banking, and Internet banking services. As of July 21, 2005, the bank operated 20 offices in Cortland, Madison, Oneida, and Onondaga counties. Alliance Financial Corporation is based in Syracuse, New York.


AMERISERV FINANCIAL INC (ASRV)

AmeriServ Financial, Inc. operates as a bank holding company for the AmeriServ Financial Bank, which offers consumer, mortgage, and commercial financial products. It also conducts general banking business, which offers retail banking services; and lending, depository, and related financial services. Its Retail banking services include demand, savings and time deposits, money market accounts, secured and unsecured loans, mortgage loans, safe deposit boxes, holiday club accounts, collection services, money orders, and traveler's checks. Lending, depositary, and other related services include real estate-mortgage loans, short and medium term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, automated bank teller machine and online banking, and lock box services for commercial, industrial, financial, and governmental customers. The company, through its nonbanking subsidiary, AmeriServ Trust and Financial Services, provides personalized and professional services, such as trust and estate administration, union collective investment funds, and pension, profit sharing, and 401(k) and 403(b) plans, as well as custom designed accounts and nonqualified plans for special purposes. In addition, AmeriServ Financial, through its subsidiary, AmeriServ Associates, Inc., operates as an investment advisory firm that administers investment portfolios, offers operational support systems, and provides asset and liability management services to small and mid-sized financial institutions. The company invests primarily in the U.S. treasury, the U.S. agency, mortgage-backed securities, and equity investment in Federal Home Loan Bank and Federal Reserve Bank Stocks. As of June 30, 2005, the company operated 22 banking locations in six Pennsylvania counties. AmeriServ Financial is headquartered in Johnstown, Pennsylvania.


CENTER BANCORP INC (CNBC)

Center Bancorp, Inc. operates as the bank holding company for Union Center National Bank that provides commercial banking services in New Jersey. The bank engages in generating deposits and originating loans. It offers various deposits products, including demand deposits, savings accounts, and time deposits. The bank's lending services include short and medium term loans, lines of credit, letters of credit, working capital loans, real estate construction loans, and mortgage loans. In addition, it offers collection services, wire transfers, night depository, and lock box services. Further, the bank deals in the U.S. treasury and U.S. governmental agency securities, certificates of deposits, commercial paper, and repurchase agreements. The bank primarily invests in obligations of the U.S. treasury and government agencies, obligations of states and political subdivisions, other securities Federal Reserve and Federal Home Loan Bank Stock. As of July 28, 2005, Union Center National Bank operated 13 banking centers located in Union Township, Berkeley Heights, Madison, Millburn/Vauxhall, Morristown, Springfield, and Summit, New Jersey. Center Bancorp is headquartered in Union, New Jersey.


FIRST KEYSTONE FINANCIAL INC (FKFS)

First Keystone Financial, Inc. operates as the holding company for First Keystone Bank, a federally chartered stock savings association, which provides financial services primarily in the state of Pennsylvania. The bank attracts deposits from public and using those funds together with other available sources of funds, primarily borrowings, and to originate loans. It offers various deposits products, including NOW accounts, noninterest-bearing personal and business checking accounts, money market deposit accounts, certificates of deposit, individual retirement account certificates, passbook accounts, and Keogh accounts. The bank's loan product portfolio comprises real estate loans, including residential, commercial and multifamily, construction loans, and home equity and lines of credit; and consumer loans, including credit card, deposit, unsecured personal loans, and other consumer loans. It also offers commercial loans, including limited number of commercial lines of credit secured by equipment and securities, working capital financings secured by accounts receivable and inventory, and limited unsecured lines of credit. In addition, the bank invests in mortgage-related securities, including U.S. government agencies and government sponsored or private enterprises bonds, and U.S. treasury and federal government agency obligations; municipal obligations; corporate bonds; mutual funds; asset-backed securities; and other equity investments. As of September 30, 2005, the bank conducted business from its office located in Media, Pennsylvania, as well as through six full-service offices located in Delaware and Chester Counties, Pennsylvania. First Keystone Financial was founded in 1994 and is headquartered in Media, Pennsylvania.


ELMIRA SAVINGS BANK FSB (ESBK)

Elmira Savings Bank operates as an independent community bank serving consumers and businesses in the United States. It provides retail banking, business banking, and consumer and business loans. The bank offers business lending, business checking and savings, online cash management, and merchant services. As of July 28, 2004, the bank operated six offices in the United States. Elmira Savings Bank was founded in 1869 and is headquartered in Elmira, New York.


REPUBLIC FIRST BANCORP INC (FRBK)

Republic First Bancorp, Inc. operates as a holding company for Republic First Bank (bank), which offers various banking services to individuals and businesses in the Greater Philadelphia and South Jersey. It offers noninterest and interest-bearing demand, money market, savings, and time deposits. The bank's loan portfolio consists of secured and unsecured commercial loans, including commercial real estate, construction loans, residential mortgages, automobile loans, home improvement, loans, home equity loans and lines of credit, and overdraft lines of credit. Its investment portfolio comprises U.S. Government debt, U.S. Government agency, trust preferred, and federal home loan bank securities; and corporate bonds. As of October 20, 2005, it provided services through its 11 offices located in Abington, Ardmore, Bala Cynwyd, East Norriton, Media, and Philadelphia, Pennsylvania. Republic First Bancorp is based in Philadelphia, Pennsylvania.