America’s Community Bankers and the NASDAQ Stock Market cordially invite you to join us for 1 ½ day Investor Conference featuring presentations from over 20 community banks that are part of the America’s Community Bankers NASDAQ Stock Index.

ACB and the NASDAQ Stock Market launched this Index in December 2003 to track the performance of the strong community-based banking sector. The America's Community Bankers NASDAQ Index is the most broadly representative stock index for community banks.

PLUS! Community bankers are invited to attend the Investor Relations boot camp, tailored specifically for small to mid-cap banks seeking guidance in developing effective IR strategies.

Presenting Companies Include:
 
CFFN
CBMD
EVBN
FBTC
FPFC
FBTX
FULT
HFFC
IBKC
ICBC
OCFC
PBCT
SMTB
STSA
SNBC
SUSQ
TIBB
UMPQ		 Capitol Federal Financial, Topeka, KS
Columbia Bancorp, Columbia, MD
Evans National Bank Angola, NY
FirstBanc Trust Corporation Paris, IL
First Place Financial Corp, Warren, OH
Franklin Bank Corp., Houston, Texas
Fulton Financial Corporation
HF Financial Corp, Sioux Falls, SD
IBERIABANK Corporation, Lafayette, LA
Independence Community Bank Corp., Brooklyn, NY
Ocean First Financial Corp., Toms River, NJ
Peoples Bank, Bridgeport, CT
Smithtown Bancorp Inc., Smithtown, NY
Sterling Financial Corp., Spokane, WA
Sun Bancorp, Vineland, NJ
Susquehanna Bancshares, Inc. Lititz, PA
TIB Financial Corp., Naples, FL
Umpqua Holdings Corp., Portland, OR

AGENDA*  
Thursday, November 18, 2004
2 p.m. - 6 p.m. Registration
3 p.m. - 6 p.m. Investor Relations Boot Camp
(for Community Bank Attendees)
Get ready for ACB’s crash course in investor relations! This fast-paced, half-day session reviews the fundamentals of effective IR programs and examines specific bank-tailored strategies for maximizing the impact of your IR effort. Led by investor relations and securities industry experts, the program helps you understand what it takes to connect with investors.
  • The Nuts & Bolts of Effective IR Programs …Van Negris, President & CEO, Van Negris & Company
     
  • IR Website Strategies Panel - A Productive Tool for Communicating With Shareholders … Heidi Stanley, COO, Sterling Financial Corp.; Daniel G. Finney, Independent IR Counselor; Tim Gould, Director, SNL Securities
     
  • Evaluating & Comparing Financial Market Perceptions Vs. Company Fundamentals … Glen Faulkner, President, Faulkner Consultancy & former Executive Director of NASDAQ
     
  • How to Maximize Your NASDAQ listing … John Shipley, Managing Director, Corporate Client Group, The NASDAQ Stock Market
     
  • Community Bank Investor Panel …Dan Goldfarb, Analyst, David L. Babson & Company; Rick Weiss, Senior Analyst, Janney Montgomery Scott; Collyn Gilbert, Senior Analyst, Ryan, Beck & Co.
6 p.m. – 7:30 p.m.
 		 Meet the CEO’s Welcome Reception
 
Friday, November 19, 2004
7 a.m. - 3 p.m. Registration and Information
7 a.m. - 8 a.m. Continental Breakfast
8 a.m. - 12 Noon Company Presentations (Click here for morning schedule details)
12 Noon - 1 p.m. Washington Perspective Update Luncheon
Robert R. Davis, Executive Vice President & Managing Director of Government Affairs at ACB shares insights on upcoming legislative and regulatory issues impacting the banking industry.
1 p.m. - 3 p.m. Company Presentations (Click here for afternoon schedule details)
3 p.m. Adjournment
   

Detail Schedule of Company Presentations
November 19, 2004

  Hubbard Room Fahnstock Room
8:30 to 9:00 a.m. ICBC -- Independence Community Bank Corp., Brooklyn, N.Y. -- Alan Fishman, president and CEO and Harry P. Doherty, vice chairman STSA -- Sterling Financial Corp., Spokane, Wash. -- Harold Gilkey, chairman and CEO and Heidi Stanley, vice chair and COO
 
9:00 to 9:30 a.m. CBMD -- Columbia Bancorp, Columbia, Md. -- John Bond, president and CEO
 		 HFFC -- HF Financial Corp., Sioux Falls, S.D. -- Curtis Hage, chairman and CEO and Darrell Posegate, EVP and CFO
9:30 to 10:00 a.m. UMPQ -- Umpqua Holdings Corp., Portland, Ore. -- Ray Davis, president and CEO and Daniel Sullivan, EVP and CFO PBCT -- People's Bank, Bridgeport, Conn. -- Phillip Sherringham, EVP and CFO
 
10:00 to 10:30 a.m. SMTB -- Smithtown Bancorp, Inc., Smithtown, N.Y. -- Bradley Rock, chairman and CEO

 		 FBTX -- Franklin Bank Corp., Austin, Texas -- Anthony Nocella, chairman, president and CEO and Russell McCann, EVP and CFO
10:30 to 11:00 a.m. TIBB -- TIB Financial Corp., Key Largo, Fla. -- Edward Lett, president and CEO FPFC -- First Place Financial Corp., Warren, Ohio -- Steven Lewis, president and CEO
11:00 to 11:30 a.m. FULT -- Fulton Financial Corp., Lancaster, Pa. -- R. Scott Smith, president and CEO and Charles Nugent, EVP and CFO
 		 OCFC -- Ocean First Financial Corp., Toms River, N.J. -- John Garbarino, chairman, president and CEO and Michael Fitzpatrick, EVP
11:30 to Noon IBKC -- IBERIABANK Corp., Layafette, La. -- Daryl Byrd, president and CEO and John Bates, vice chair SUSQ -- Susquehanna Bancshares, Inc., Lititz, Pa. -- William Reuter, chairman and Drew Hostetter, CFO
Afternoon Presentations
  Hubbard Room Fahnstock Room
1:30 to 2:00 p.m. SNBC -- Sun Bancorp., Inc., Vineland, N.J. -- Tom Bracken, president and CEO and Dan Chila, CFO CFFN -- Capitol Federal Financial Corp., Topeka, Kan. -- John Dicus, president and CEO and Neil McKay, CFO
2:00 to 2:30 p.m. EVBN -- Evans Bancorp, Inc., Angola, N.Y. -- James Tilley, president and CEO and Mark DeBacker, senior VP and CFO FBTC -- First BancTrust Corp., Paris, Ill., Terry Howard, president and CEO
 
Business attire required during conference.

*Presenters and times subject to change.
Presenting companies are by invitation only.

Questions? Contact Helen Sullivan at (202) 857-3157 or hsullivan@acbankers.org