s/Vincent R. Valicenti ------------------------------- Vincent R. Valicenti, President November 15, 2000 /s/Vincent R. Valicenti ------------------------------- Vincent R. Valicenti

CUSIP No. 000000000                             Page 7 of 7 Pages

                                                                       Exhibit A

             AGREEMENT PURSUANT TO RULE 13D-1(F)(1)


          The undersigned persons agree and consent to the joint filing on their
     behalf of this Schedule 13G in connection with their  beneficial  ownership
     of the common  stock of ES&L  Bancorp,  Inc. at December 31, 1999 and agree
     that this filing is filed on behalf of each of them.


     November 15, 2000          Xxxxxxxxx Advisory Services, Inc.

                             /s/Xxxxxxx X. Xxxxxxxxx
                              -------------------------------
                              Xxxxxxx X. Xxxxxxxxx, President

     November 15, 2000       /s/Xxxxxxx X. Xxxxxxxxx
                              -------------------------------
                              Xxxxxxx X. Xxxxxxxxx