Sandler O'Neill & Partners, L.P 2005 Financial Services Conference.

Sandler O'Neill & Partners:

What:       Sandler O'Neill 2005 Financial Services Conference
            Featuring 49 Companies Participating in
            Individual and Panel Presentations

When:       Thursday, November 17, 2005
            7:10 a.m. - 4:40 p.m. Eastern Standard Time (EST)

Where:      The Ritz-Carlton Golf Resort
            Naples, Florida

Webcast:    www.sandleroneill.com, click on "Webcast"

Dial-In:    Session I: 617-847-8706
            Session II: 617-213-8860
            Session III: 617-213-8852

Session I Presenters
(All Times EST):

7:10 a.m.   Sky Financial Group, Inc. (SKYF)
7:45 a.m.   Community Banking Panel: Capitol Federal Financial (CFFN);
            Community Banks, Inc. (CMTY); Harleysville National Corp.
            (HNBC); Smithtown Bancorp, Inc. (SMTB)
8:55 a.m.   First Republic Bank (FRC)

9:45 a.m.   Unique Lending Strategies Panel: Appalachian Bancshares,
            Inc. (APAB); Greenville First Bancshares, Inc. (GVBK);
            Security Bank Corp. (SBKC); Magnet Bank; Square 1
            Financial, Inc.
10:55 a.m.  The South Financial Group, Inc. (TSFG)
11:30 a.m.  Wintrust Financial Corp (WTFC)

1:00 p.m.   Astoria Financial Corp. (AF)
1:35 p.m.   New York Community Bancorp, Inc. (NYB)

2:20 p.m.   Novel Approaches to Community Banking Panel: Bancshares of
            Florida, Inc. (BOFL); First Financial Holdings, Inc.
            (FFCH); First National Bancshares, Inc. (FNSC); First
            Indiana Corp. (FINB)
3:30 p.m.   Huntington Bancshares Inc (HBAN)
4:05 p.m.   Webster Financial Corp. (WBS)

Session II Presenters
(All Times EST):

7:10 a.m.   MB Financial, Inc. (MBFI)
7:45 a.m.   Boston Private Financial Holdings, Inc. (BPFH)
8:20 a.m.   BankAtlantic Bancorp, Inc. (BBX)
8:55 a.m.   Fidelity Bankshares, Inc. (FFFL)

9:45 a.m.   Bank of the Ozarks, Inc. (OZRK)
10:20 a.m.  Provident Financial Services, Inc. (PFS)
10:55 a.m.  Sun Bancorp, Inc. (SNBC)
11:30 a.m.  Yardville National Bancorp (YANB)

1:00 p.m.   The Banc Corp. (TBNC)
1:35 p.m.   Provident Bancshares Corp. (PBKS)

2:20 p.m.   Flushing Financial Corp. (FFIC)
2:55 p.m.   Partners Trust Financial Group, Inc. (PRTR)
3:30 p.m.   Dime Community Bancshares, Inc. (DCOM)
4:05 p.m.   First Niagara Financial Group, Inc. (FNFG)

Session III Presenters
(All Times EST):

7:10 a.m.   Harbor Florida Bancshares, Inc. (HARB)
7:45 a.m.   OceanFirst Financial Corp. (OCFC)
8:20 a.m.   Associated Banc-Corp (ASBC)
8:55 a.m.   United Bankshares, Inc. (UBSI)

9:45 a.m.   First Place Financial Corp. (FPFC)
10:20 a.m.  U.S. Bancorp (USB)
10:55 a.m.  Virginia Commerce Bancorp, Inc. (VCBI)
11:30 a.m.  TIB Financial Corp. (TIBB)

1:00 p.m.   Seacoast Banking Corp. of Florida (SBCF)
1:35 p.m.   Community Trust Bancorp, Inc. (CTBI)

2:20 p.m.   National Penn Bancshares, Inc. (NPBC)
2:55 p.m.   Compass Bancshares, Inc. (CBSS)
3:30 p.m.   Susquehanna Bancshares, Inc. (SUSQ)
4:05 p.m.   First Midwest Bancorp, Inc. (FMBI)