Corporate Profile for Niagara Bancorp, Inc., dated Friday, July 2, 1999.

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Published Date: Friday, July 2, 1999

Company Name: Niagara Bancorp, Inc.

Address: 6950 South Transit Road, P.O. Box 514
 Lockport, N.Y. 14095-0514

Main Telephone
 Number: 716/625-7500

Internet Home
 Page Address
 (URL) niagarabancorp.com

Chief Executive
 Officer: William E. Swan

Chief Financial
 Officer: Paul J. Kolkmeyer

Investor Relations
 Contact: Ann M. Segarra
 Business number: 716/625-7509
 E-mail address: ann.segarra@nbcp-lsb.com

Public Relations
 Contact: Leslie Garrity
 Business number: 716/625-7500
 E-mail address: leslie.garrity@nbcp-lsb.com

Industry: Banking

Trading Symbol/
 Exchange: NBCP/NASDAQ

Market Makers: FBR, Ryan Beck, CIBC

Company description: Niagara Bancorp, Inc. is a stock holding company whose only subsidiary is Lockport Savings Bank. The reorganization from a mutual savings bank to a mutual holding company was completed on April 17, 1998 and stock began trading on the NASDAQ National Market System on April 20, 1998. Founded in 1870, Lockport Savings Bank offers a full range of personal/business checking, savings, loan and mortgage products, investment alternatives and a full range of commercial and consumer insurances. The Bank currently operates 18 full service branch locations and 29 ATMs in the Western New York area.