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JSB Financial, Inc. elects Cynthia Gibbons to board of directors.

LYNBROOK, N.Y.--(BUSINESS WIRE)--March 12, 1997--JSB Financial, Inc. (NASDAQ NASDAQ
 in full National Association of Securities Dealers Automated Quotations

U.S. market for over-the-counter securities. Established in 1971 by the National Association of Securities Dealers (NASD), NASDAQ is an automated quotation system that reports on
:JSBF), the holding company for Jamaica Savings Bank FSB (FrontSide Bus) See system bus.

FSB - front side bus
, today announced the election of Cynthia Gibbons as a Director of both the Bank and the holding company. Gibbons replaces Joseph J. Blaine, Retired Vice Chairman of the Board of JSB JSB Johann Sebastian Bach
JSB Judicial Studies Board (UK)
JSB Jimmy Swift Band (rock band)
JSB Jay and Silent Bob
JSB Joint Synthetic Battlespace
JSB Joint Service Board
 Financial and former President and Director of the Bank who passed away in February.

Gibbons, 40, has served as vice president of Koeppel Tener Real Estate Services in New York since 1995, where she provides due diligence consulting and appraisal services for loan portfolios and securitizations.

Prior to joining Koeppel Tener, Gibbons held several positions over her ten year career in the real estate appraisal Real estate appraisal

An estimate of the value of property using various methods.
 and consulting field including Appraisal Associate for Chemical Real Estate Finance, Vice President of J.A. Cowan & Associates and Vice President of Gibbons & Rushmore.

Gibbons began her career with Norstar Bank serving as Internal Auditor and Credit Analyst before joining Marine Midland Bank Marine Midland Bank was a bank formerly headquartered in Buffalo with several hundred branches throughout the state of New York. The Hongkong and Shanghai Banking Corporation acquired a 51% shareholding in Marine Midland Bank in 1980 and extended to full ownership in 1987.  as a Senior Credit Analyst. She is the daughter of current JSB Financial Board Director James E. Gibbons, Jr.

Park T. Adikes, Chairman and Chief Executive Officer of JSB Financial, said, "We are very pleased to have Ms. Gibbons serve on our Board of Directors. Her more than ten years experience in real estate appraisal and consulting, particularly in the area of commercial property valuation within the banking industry, will make her an asset in our continued efforts to better serve our customers and stockholders."

A resident of Point Lookout, New York Point Lookout is a hamlet (and census-designated place) located in the Town of Hempstead in Nassau County, New York. The population was 1,472 at the 2000 census. Geography
Point Lookout is located at  (40.590753, -73.
, Gibbons holds an Associate of Applied Science degree from the State University of Farmingdale, a Bachelor and Masters Degree in Business Administration from Adelphi University and a MAI designation from the Appraisal Institute. Gibbons' numerous affiliations include the Association of Real Estate Women and the Appraisal Institute where she serves as a member of the Program Committee.

JSB Financial, Inc. and Jamaica Savings Bank FSB, with combined assets of $1.52 billion and a tangible net worth Tangible Net Worth

Total assets less intangible assets and total liabilities.

In terms of a consumer, tangible net worth is the sum of all your tangible assets (cash, home, cars, etc).
 of $335.3 million as of December 31, 1996, are headquartered in Lynbrook, New York Lynbrook is a village in Nassau County, New York, USA . The population was 19,911 at the 2000 census, but was now recorded at 29,000 in 2006. Lynbrook's mascot is the Owl.

The Village of Lynbrook is inside the Town of Hempstead.
. The Bank operates through 13 offices, 10 of which are located in Queens, and one each in Manhattan, Nassau County and Suffolk County. The Bank's deposits are insured by the Federal Deposit Insurance Corp.-BIF Fund.

CONTACT: Edward Lekstutis

Thomas R. Lehmann

JSB Financial, Inc.

(516) 887-7000


Carl Hymans

G.S. Schwartz & Co.

(212) 725-4500
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Copyright 1997, Gale Group. All rights reserved. Gale Group is a Thomson Corporation Company.

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Publication:Business Wire
Date:Mar 12, 1997
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