OFFICERS**********
    Arthur M. Horgan
       President and CEO

      Donald H. Smith,Jr.
     Executive Vice President
       Treasurer

     Cathy A. McGovern
      Vice President
        Operations

     Robert J. Zilinsky
      Vice President
        Lending

     Richard C. Newton
      Vice President
       Commercial Lending

     Darlene A. Shedden
      Assistant Treasurer
       Executive Secretary
 

       Maura P. Lynch+

       Ralph W. Reid+

       David B. Richardson+

       Donald H. Smith, Jr.*

       Richard Fortucci*

         *Security Committee
              +Finance Committee