Financial Advisory Deals 1987 to 1999


Announce Date	Buyer	Seller	Deal Value (in millions)
12/08/99	NBT Bancorp	Pioneer American	$84.8
09/28/99	Columbia Bancorp	Suburban Bancshares	33.9
08/02/99	Tompkins Trustco, Inc.	Letchworth Indep. Bancshares	84.7
06/07/99	Sky Financial	Mahoning National Bancorp	306.6
03/25/99	F&M Bancorp (MD)	Potomac Basin Group Associates	n/a
02/23/99	CNB Financial Corp.	First National Bank of Spangler	8.1
12/17/98	Valley National Bancorp	Ramapo Financial Corp.	107.5
09/03/98	FCNB Corporation	Frederick Underwriters	11.0
07/28/98	Harleysville National	Northern Lehigh Bancorp	20.9
07/28/98	Patriot Bank Corp.	First Lehigh Corp.	23.4
07/21/98	Sky Financial	The Ohio Bank	191.0
07/16/98	First Commonwealth Financial	Southwest National	271.5
04/23/98	Scripps Bank	Pacific Commerce Bank	35.7
04/16/98	Susquehanna Bankshares	First Capitol Bank	25.3
03/16/98	Peoples State	Madison Bancorp	2.0
03/11/98	MainStreet BankGroup	Ballston Bancorp	19.5
01/26/98	Fulton Financial Corporation	Ambassador Bank	76.9
11/18/97	Sky Financial	Century Financial	137.8
09/02/97	WesBanco, Inc.	Commercial Bancshares	135.8
08/15/97	Fulton Financial Corp.	Keystone Heritage Group	212.8
07/25/97	Sky Financial	Unibank	53.7
04/09/97	Resource Bank	Eastern American Bank FSB	5.3
02/04/97	ML Bancorp	Penncore Financial Services	15.1
12/20/96	Keystone Financial	Financial Trust Corp.	375.9
11/26/96	S&T Bancorp	Peoples Bank of Unity	94.9
10/29/96	Park National Corp.	First-Knox Banc Corp.	111.6
09/05/96	JeffBanks, Inc.	United Valley Bancorp.	22.9
08/22/96	BB&T Corp.	Fidelity Financial Bankshares	58.1
02/16/96	Ambassador Bank	Wilbur S&L	4.9
01/12/96	FP Bancorp	RB Bancorp	7.4
09/08/95	Harleysville National	Farmers & Merchants	12.0
07/10/95	Citizens Bancshares	Western Reserve Bank	10.8
06/06/95	Dartmouth Capital	SDN Bancorp	5.0
01/02/95	Omega Financial	Montour Bank	5.5
12/12/94	Centura Banks, Inc.	First Southern Bancorp	57.6
10/13/94	FP Bancorp	Overland Bank	3.7
09/13/94	Heritage Bancorp	Bankers Financial	14.9
05/31/94	Peoples Financial	New Bethlehem	19.6
04/25/94	BankAtlantic Bancorp	Mega Bank	20.0
01/24/94	First Citizens Bancshares	Edgecomb Homestead	10.9
01/11/94	Keystone Financial	American Savings	15.3
1993	Harleysville National	Security National	5.4
1993	Citizens Bankshares	Firestone Bank	6.9
1992	Fulton Financial	Denver National Bank (Pa.)	53.3
1992	BB&T Financial	First Fincorp, Inc.	19.1
1992	Meridian Bancorp	Peoples Bancorp	23.2
1991	Lake Ariel Bancorp	Pocono Bank	3.9
1990	Harleysville National	Citizens National	6.3
1990	Ohio Bank & Savings	Citizens Community Bank	3.2
1989	Fulton Financial Corporation	Danville Bank Corporation	23.8
1989	United Federal Bancorp	Founders Federal S&L	1.9
1989	Banknorth Group, Inc.	Howard Bancorp	67.2
1989	Park National Corp.	Mutual FSB	10.2
1989	First Bank of Ceredo	Fist Bancorp	3.0
1988	Metrocorp	Colona Avenue State Bank	2.4
1988	Eastern Bancorp	Rockingham Bancorp	21.1
1988	State Bancorp	Terra Alta Bank	1.8
1988	MNC Financial	Virginia Federal Savings	-
1987	Mid-America Bancorp	Tri-State Financial	19.0

		Total 1987-1999 deal value	$2,986.0

* By announce date. Danielson Capital's clients listed in bold typeface.
** Branch sale.
*** Merger of equals.

Source: SNL Financial, Charlottesville, Virginia and Danielson Capital.