J T. Adams, Fst SVP/SML OFCR, NY Com. BA D Cama, Exec VP & COO, Inv. Sav BA R Lyon, Exec VP, Com. RE, Capital One BA G Martocci, SVP, Com. RE Lending, M&T BA V Palagiano, Chmn, Dime Sav BA/Williamsburg M Sarkozi, Mng Dir., JP Morgan