B2Banc.com Launch Serves Growing B-to-B Marketplace with Hardware Promotion.

Business Editors/Hi-Tech Writers

PHILADELPHIA--(BUSINESS WIRE)--Feb. 17, 2000

USABancShares.com (NASDAQ:USAB) today announced it's launch of &uot;B2Banc.com&uot;, incorporating a new promotion under which qualifying business customers will receive a computer providing a direct keyboard link to b2banc.com online financial services.

The PCs are being supplied by eMachines, Inc., who sold the third largest number of desktop PCs through U.S. retailers in 1999.

B2Banc.com is the latest addition to the company's growing community of financial services websites, and is designed to satisfy sophisticated financial needs of corporations, small businesses, and entrepreneurs. The site also provides Network support services designed to add industry specific value to existing B-to-B communities, such as narrowly defined credit products and payment functionality.

Retail products will include a full range of business deposit accounts, credit products, investment services, benefit/retirement planning, payroll processing, insurance and other components designed to serve the Enterprise.

Working with hardware partner eMachines, qualifying business customers will receive a computer that offers the convenience of a direct keyboard link to banking and cash management services provided by B2Banc.com.

&uot;Through our eMachines partnership, we can provide new B-to-B customers with a reliable solution for quickly accessing comprehensive online financial management tools . . . with one-touch security and convenience provided by a stand alone dedicated computer,&uot; said Ken Tepper, President &CEO of USABancShares.com. The hardware promotion begins February 21, 2000.

&uot;B2Banc.com is focused on serving the growth of Business-to-Business communities by consolidating financial components of online transactions -- making it easier for buyers to buy and sellers to sell,&uot; said Brian Hartline, COO of USABancShares.com and newly appointed President of the B2Banc.com division.

Hartline said other additional business services are scheduled for rollout shortly in partnership with a number of other online strategic partners. &uot;We intend to promote this brand aggressively within the growing B-to-B marketplace,&uot; he concluded.

Business-to-Business e-commerce is projected to grow from over $100 billion in 1999 to more than $5 trillion by 2004 according to recent market research reports. Financial requirements of these transactions often go beyond standard credit-card processing generally used in the existing business-to-consumer market.

B2Banc.com products and services are designed to help growing online business communities to fully maximize the value of their Networks by incorporating narrow-casted financial services on an industry specific basis.

Ranked No.1 in the country by Gomez Advisors for its &uot;energyONE&uot; account, USABancShares.com owns both an online FDIC insured bank and NASD regulated brokerage firm.

Through partnerships with a variety of Internet service and e-commerce companies, USABancShares.com is dedicated to providing the country's premier online financial services experience at www.usabancshares.com and a number of other co-branded and private label sites throughout the Internet, now to include B2Banc.com.