+++ Deal terms and statistical information on parties to the transaction ($ in millions) part 1 of 4 Deal Rank Buyer Seller Buyers Ref. Seller Assets Assets Employees 1 Dime Bancorp, New York $7,226 $21,430 967 2 Premier Bancshares Inc., Atlanta 39,185 1,493 10,400 3 Triangle Bancorp Inc., Raleigh, N.C. 8,757 2,285 2,945 4 JSB Financial Inc., Lynbrook, N.Y. 11,522 1,620 1,734 5 Grand Premier Financial, Wauconda, Ill. 15,929 1,575 7,878 6 Reliance Bancorp Inc., Garden City, N.Y 11,522 2,475 1,734 7 Prime Bancshares Inc., Houston 205,421 1,200 91,182 8 Peoples Bank Corp., Indianapolis 31,628 675 8,330 9 ANB Corp., Muncie, Ind. 6,898 784 2,174 10 Fidelity Financial of Ohio, Cincinnati 8,492 809 2,546 11 Merchants Bancorp Inc., Aurora, Ill. 15,929 921 7,878 12 First Place Finl. Corp., Farmington, N. 205,421 875 91,182 13 Pacific Bank NA, San Francisco 6,302 729 1,670 14 North County Bancorp, Escondido, Calif. 205,421 349 91,182 15 First Decatur Bancshares, Ill. 551 461 200 16 Peninsula Bank of San Diego 77,390 453 26,854 17 American Bancshares Inc., Bradenton, Fl 1,196 485 116 18 Lake Ariel Bancorp Inc., Pa. 1,351 493 486 19 Western Bancshares, Albuquerque, N.M. 17,731 285 5,900 20 Minden Bancshares Inc., La. 39,808 332 6,273 21 First State Bancorp, Howell, N.J. 4,134 352 640 22 Letchworth Indep.Bancshares, Castile, N 687 442 223 23 Community Federal Bancorp, Tupelo, Miss 717 309 314 24 Union Bankshares Ltd., Denver 1,196 340 116 25 Heritage Finl. Services, Clarksville, T 6,898 207 2,174

Totals for the top 25 deals $931,313 $41,378 181,000

Seller Core Competency

and/or recent developments 1 3% NY area deposit mkt. share; Mtg. loan prod. & servicing; Comml. Bkg.; Instl. investors 67%, 5% stk.

repur. plan anncd. 9/98; acquired No. Amer. Mtg. in '97. Nonperf. assets 0.52%, Non int. inc./Rev. 31.3%. 2 Merger of equals with Central & Southern in 1997, 2% branch deposit mkt. share in Atlanta area; Instl.

Investors 9.4%, 5% investors 50%. Nonperf asset % 0.36%, Noninterest inc. 22.2% of total rev. 3 Serves small/medium-sized businesses/consumers in eastern North Carolina. Instl. investors 8.9%,

no 5% investors. NPA % 0.53%, Non int. inc. 11.4% of total rev. 5% dep. mkt. shr. for Raleigh-Durham.

Acquired Utd. Federal, Gty. State Bk., Bank of Mecklenburg. 15% of deposit mkt. sh. for Rocky Mount. 4 S & L; 44.2% Institutional investors, 5% investors 20.6% including HSBC. Nonperf asset % 0.04%,

Noninterest inc. 3.8% of total revenue. 0.40% NY area deposit market share. North Fork's is 1.22%. 5 Instl. investors 6.4%, 5% investors 38%. Company formed through merger of Northern Illinois Finl.

and Premier Financial Serv. in 1996. Nonperf. asset % 0.60%, Noninterest Income 10.3% of total rev. 6 S&L; acquired Sunrise Bancorp in 1996 and Continental in 1997. Announced stock repurchase program

in Nov. '98 for up to 500,000 shs. Instl. investors 49.9%, 5% inv. 9%. 0.50% NY area deposit mkt.share. 7 Recent acquisitions - Sunbelt Natl., First Northwestern, Instl. Investors 25.6%, 5% investors 44%.

Nonperf. asset % 0.17%, Non int. inc. 10.8% of total revenue. 1.25% deposit mkt. share in Houston. 8 Institutional Investors 6.4%, 5% Investors 0, Nonperf. asset % 0.63%, Non int. inc. 17.3% of total rev. 9 Instl. Investors 18.3%, 5% Investors 17.5%, Nonperf. asset % 0.41%, Non int. inc. 16.6% of total rev. 10 S&L, completed merger in March with Glenway Finl. Instl. Investors 15.6%, 5% Investors 8%, 11 Nonperf. asset % 0.35%, Noninterest income 3% of total revenue 12 13 Institutional Investors 24%, 5% Investors 6%, Nonperf. asset % 0.73%, Non int. inc. 16.6% of total rev.

Announced plan to buyback 5% of shrs. by Feb 2000. NPA % 1.32%, Non int. inc. 42% of total rev. 14 Completed merger in 1998 with Sterling West Bancorp. Announced stock buyback plan in late '98. 15 Instl. Investors 43%, 5% Investors 96.8%, Nonperf. asset % 0.39%, Non int. inc. 14.8% of total rev. 16 Instl. Investors 4.5%, 5% Investors 11.6%, Nonperf. asset % 2.50%, Non int. inc. 18.9% of total rev.

26% deposit mkt. share in metro area. Nonperf. asset % 0.79%, Non int. inc. 31.4% of total rev. 17 Commercial Banking business, offers variety of loans as well as checking and savings accounts. 18 Institutional Investors 5.8%, 5% Investors 0%, Nonperf. asset % 0.43%,

Noninterest income 15.9% of total revenue 19 Institutional Investors 2.1%, 5% Investors 20%, Nonperf. asset % 0.79%, 20 Noninterest income 16.2% of total revenue. 21 4.5% of branch deposits in metro area; Nonperf. asset % 0.27%, Non int. inc. 6.1% of total revenue 22 Nonperf. asset % 0.71%, Noninterest income 10.9% of total revenue 23 Nonperf. asset % 3.35%, Noninterest income 5.9% of total revenue 24 Institutional Investors 5.3%, 5% Investors 0%, Nonperf. asset % 0.68%, Non int. inc. 7.4% of total rev.

S&L, Instl. Investors 8.6%, 5% Investors 7%, Nonperf. asset % 0.37%, Non int. inc. 9.4% of total rev. 25 Institutional Investors 2.4%, 5% Investors 52%, Nonperf. asset % 0.05%, Noninterest income 5.10%

of total revenue. 1% deposit mkt. share in Denver area.

14% mkt. share of deposits in metro area, Nonperf. asset % 1.64%, Non int. inc. 19.2% of total rev. part 2 of 3 Deal Rank Seller Seller Ref. EmployeeBranches 1 3,232 93 2 693 32 3 312 71 4 318 13 5 588 30 6 180 30 7 465 22 8 215 13 9 275 24 10 44 15 11 344 9 12 340 12 13 292 12 14 156 9 15 188 8 16 234 11 17 89 8 18 174 22 19 109 9 20 99 7 21 84 5 22 101 11 23 33 1 24 101 6 25 104 4 Total 8,770 477 part 3 of 4

Deal exchange terms and conditions Common shares; merger of equals; 19.9% lock-up agreement

Common shares; $10 mill. termination fee

Common shares; 19.9% lock-up agreement

Common shares; 19.9% lock-up agreement

Common shares; 19.9% lock-up agreement

Common shares; 19.9% lock-up agreement

Common shares

Common shares

Common shares Cmn. shrs.; $5 mill. term. fee; 19.9% lock-up, collar-cuff Shldrs.to get b/w & .472 per sh. of Provident based on 10-

day avg. price before approval. Common shares, $8.5 mill. termination fee; 11% lock-up agreement

Common shares

50% Common / 50% Cash; 19.9% lock-up agreement

Common shares Common shares; merger of equals, $1.5 mill. termination fee Cmn. shares; collar-cuff - Ratio floats between U.S. Bancorp prices

of $27.41 and $37.09, fixed outside of this range. Cmn. shrs., $3 mill. term. fee; collar-cuff - Ratio floats based on avg. buyer price in 10 day trdg. period ending 3 days prior to closing b/w $11-$13.75. Cmn. shares; 19.9% lock-up; collar-cuff - Shldrs. will receive a minimum of .8315 shares and a max of .9487 shares of NBT for each exchanged.

Common shares

Common shares

All cash transaction

Common shares; 19.9% lock-up agreement 52 % Common shares / 48 % Cash; 19.9% lock-up agreement

Common shares

Common share part 4 of 4 Seller Core Competency and/or recent developments 1 3% NY area deposit mkt. share; Mtg. loan prod. & servicing; Comml. Bkg.; Instl. investors 67%, 5% stk. repur. plan anncd. 9/98; acquired No. Amer. Mtg. in '97. Nonperf. assets 0.52%, Non int. inc./Rev. 31.3%. 2 Merger of equals with Central & Southern in 1997, 2% branch deposit mkt. share in Atlanta area; Instl. Investors 9.4%, 5% investors 50%. Nonperf asset % 0.36%, Noninterest inc. 22.2% of total rev. 3 Serves small/medium-sized businesses/consumers in eastern North Carolina. Instl. investors 8.9%, no 5% investors. NPA % 0.53%, Non int. inc. 11.4% of total rev. 5% dep. mkt. shr. for Raleigh-Durham. Acquired Utd. Federal, Gty. State Bk., Bank of Mecklenburg. 15% of deposit mkt. sh. for Rocky Mount. 4 S & L; 44.2% Institutional investors, 5% investors 20.6% including HSBC. Nonperf asset % 0.04%, Noninterest inc. 3.8% of total revenue. 0.40% NY area deposit market share. North Fork's is 1.22%. 5 Instl. investors 6.4%, 5% investors 38%. Company formed through merger of Northern Illinois Finl. and Premier Financial Serv. in 1996. Nonperf. asset % 0.60%, Noninterest Income 10.3% of total rev. 6 S&L; acquired Sunrise Bancorp in 1996 and Continental in 1997. Announced stock repurchase program in Nov. '98 for up to 500,000 shs. Instl. investors 49.9%, 5% inv. 9%. 0.50% NY area deposit mkt.share. 7 Recent acquisitions - Sunbelt Natl., First Northwestern, Instl. Investors 25.6%, 5% investors 44%. Nonperf. asset % 0.17%, Non int. inc. 10.8% of total revenue. 1.25% deposit mkt. share in Houston. 8 Institutional Investors 6.4%, 5% Investors 0, Nonperf. asset % 0.63%, Non int. inc. 17.3% of total rev. 9 Instl. Investors 18.3%, 5% Investors 17.5%, Nonperf. asset % 0.41%, Non int. inc. 16.6% of total rev. 10 S&L, completed merger in March with Glenway Finl. Instl. Investors 15.6%, 5% Investors 8%, Nonperf. asset % 0.35%, Noninterest income 3% of total revenue 11 Institutional Investors 24%, 5% Investors 6%, Nonperf. asset % 0.73%, Non int. inc. 16.6% of total rev. Announced plan to buyback 5% of shrs. by Feb 2000. NPA % 1.32%, Non int. inc. 42% of total rev. 12 Completed merger in 1998 with Sterling West Bancorp. Announced stock buyback plan in late '98. 13 Instl. Investors 43%, 5% Investors 96.8%, Nonperf. asset % 0.39%, Non int. inc. 14.8% of total rev. 14 Instl. Investors 4.5%, 5% Investors 11.6%, Nonperf. asset % 2.50%, Non int. inc. 18.9% of total rev. 26% deposit mkt. share in metro area. Nonperf. asset % 0.79%, Non int. inc. 31.4% of total rev. 15 Commercial Banking business, offers variety of loans as well as checking and savings accounts. 16 Institutional Investors 5.8%, 5% Investors 0%, Nonperf. asset % 0.43%, Noninterest income 15.9% of total revenue 17 Institutional Investors 2.1%, 5% Investors 20%, Nonperf. asset % 0.79%, 18 Noninterest income 16.2% of total revenue. 19 4.5% of branch deposits in metro area; Nonperf. asset % 0.27%, Non int. inc. 6.1% of total revenue 20 Nonperf. asset % 0.71%, Noninterest income 10.9% of total revenue 21 Nonperf. asset % 3.35%, Noninterest income 5.9% of total revenue 22 Institutional Investors 5.3%, 5% Investors 0%, Nonperf. asset % 0.68%, Non int. inc. 7.4% of total rev. 23 S&L, Instl. Investors 8.6%, 5% Investors 7%, Nonperf. asset % 0.37%, Non int. inc. 9.4% of total rev. 24 Institutional Investors 2.4%, 5% Investors 52%, Nonperf. asset % 0.05%, Noninterest income 5.10% 25 of total revenue. 1% deposit mkt. share in Denver area. 14% mkt. share of deposits in metro area, Nonperf. asset % 1.64%, Non int. inc. 19.2% of total rev. ===

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