s/Vincent R. Valicenti ------------------------------- Vincent R. Valicenti, President November 15, 2000 /s/Vincent R. Valicenti ------------------------------- Vincent R. ValicentiValicenti Advisory Services Inc • November 15th, 2000 • Savings institution, federally chartered
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.
