NORTHERN STATES FINANCIAL CORPORATION               BANK OF WAUKEGAN OFFICERS                               Fred Abdula Chairman of the Board, Chief Executive Officer & President Kerry Biegay Executive Vice President     Ruthie Brown Assistant Cashier Jan Ceskowski Assistant Vice President   Roy Clark Senior Vice President                                       Tim Deadrick Assistant Vice President    Shelda Dobson Operations Officer Patsy Dreyer, CPA Assistant Vice President & Credit Review Officer Don Evans Assistant Vice President   Jim Gitzlaff Vice President                                       Bruce Greenberg Assistang Vice President & Compliance Officer   Virginia Gregg, CPA Assistant Vice President & Trust Officer   Paul Hartmann Vice President   Teresa Hartnell Assistant Cashier   Beverly Hayes Assistant Vice President & Trust Officer                                       Peggy Higginbottom Assistant Vice President Rob Jenkins Vice President Kim Jordine Assistant Contoller Pat Joslyn Assistant Auditor   Susan Loberger Assistant Cashier   16   NSFC ANNUAL REPORT 2000