Capital Crossing Bank Announces Launch of Online Banking.

BOSTON--(BUSINESS WIRE)--Sept. 30, 1999--

Capital Crossing Bank (NASDAQ: CAPX)(formerly, Atlantic Bank and Trust Company)(the "Bank"), today announced the launch of its Online Banking services. Through the Bank's website (www.capitalcrossing.com), customers will have the ability to open high-yielding accounts, obtain account information and originate transactions 24 hours a day, 7 days a week from virtually anywhere.

"We think that banking should reflect the way people lead their lives; that means giving our customers the ability to bank anytime, anywhere - at a time and place that is convenient for them," said Nicholas W. Lazares, Chairman and Co-Chief Executive Officer. "We also believe that everyone should receive attractive interest rates without paying large service fees."

"This is a major step toward the Bank's goal of providing its customers with a complete view of their personal finances, all from the convenience of a computer," noted Richard Wayne, President and Co-Chief Executive Officer. "As we continue to pursue technological advances and customer satisfaction, we intend to expand our Internet business by adding other services to our website."

Highlights of our services include:

--Free Online Banking

--Free Online Bill Payment services

--Highly competitive interest rates paid on Checking, Savings, Money Market and Certificates of Deposit accounts

--Convenience -- open an account without leaving home and transfer funds at the click of a mouse

For more information on the Bank visit our website or call us toll-free at 1-877-976-7722.

Capital Crossing Bank is a Massachusetts-chartered, FDIC-insured trust company that operates as a commercial bank. The Bank conducts business from its executive and main offices in downtown Boston, a branch in Chestnut Hill, Massachusetts and through its leasing subsidiary Dolphin Capital Corp. ("Dolphin") located in Moberly, Missouri. The Bank concentrates on selected business lines intended to produce high-yielding assets, and funds these business lines by utilizing a deposit gathering platform without a traditional bank infrastructure. The Bank's primary business line has been and will continue to be the purchase of whole loans generally at a discount from their outstanding principal balances, which loans are secured primarily by commercial real estate and multi-family and one-to-four family residential real estate. Dolphin provides lease financing of small-ticket business equipment for small businesses and individuals.

Statements in this press release that are not historical facts are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that involve risk and uncertainties. The Bank's actual results could differ materially from forward-looking statements. Factors which could cause such differences include the Bank's ability to successfully complete its Internet banking strategy, the continued growth in use and commercial viability of the Internet, conditions in the emerging online banking industry, changes in interest rates that adversely affect our business, as well as those other factors described under the caption "Risk Factors" in the Bank's most recent Offering Circular dated July 29, 1999 as filed on Form 8-K with the Federal Deposit Insurance Corporation.