BOARD OF DIRECTORS
Fred Abdula
Chairman of the Board,
Northern States Financial Corporation
and President, Air Con
Refrigeration and Heating, Inc.

Kenneth W. Balza
Retired
Bank of Waukegan

Jack H. Blumberg
Managing Partner
Blumberg & Company

Frank Furlan
President
Northern Illnois Survey Company

Harry S. Gaples
President
Kleinschmidt, Inc.

Laurance A. Guthrie
Vice President-Secretary
Doyle Distributing Co., Inc.

James A. Hollenseiner
President
Hollensteiner & Associates

Raymond M. Mota
President
Mota Construction Co., Inc.

Helen Rumsa
Secretary
Bertand Bowling Lanes, Inc.

Frank Ryskiewicz
Chairman of the Board
Bertrand Bowling Lanes, Inc.

Henry G. Tewes
Retired
Tewes Company

Arther J. Wagner
Retired
Fanstell, Inc.

OFFICERS
Fred Abdula
Chairman of the Board, Chief Executive Officer & President

Kerry J. Biegay
Vice President

Thomas M. Nemeth, CPA
Vice President & Treasurer

Helen Rumsa
Secretary

OFFICERS
Fred Abdula
Chairman of the Board,
Chief Executive Officer & President

Kerry J. Biegay
Executive Vice Presidnet

Roy H. Clark
Senior Vice president

Bradley A. Nickerson
Senior Vice President

Daniel J. Ruffalo
Senior Vice President

Paul L. Svendsen
Senior Vice President

Stanley J. Trygar, Jr.
Senior Vice President

James A. Gizlaff
Vice President

Paul A. Hartmann
Vice President

Robin Jenkins
Vice President

Thomas M. Nemeth, CPA
Vice President & Controller

James A. Powers, CPA
Vice President & Senior Auditor

Michael B. Renschen
Vice President

Tammy R. Wesenberg
Vice President & Cashier

Janet Ceskowski
Assistant Vice President

Timothy E. Dedrick
Assistant Vice president

Patsy E. Dreyer, CPA
Assistant Vicer President & Credit Review Officer

Donald D. Evans, Jr.
Assistant Vice President

Bruce C. Greenberg
Assistant Vice President & Compliance Officer

Virginia L. Gregg, CPA
Assistant Vice President & Trust Officer

Beverky C. Hayes
Assistant Vice President & Trust Officer

Peggy J. Higginbottom
Assistant Vice President

Doris Miles
Assistant Vice President

William G. Russell
Assistant Vice President

Jean Tippet
Assistant Vice President

Kathleen Volling
Assistant Vice President

Nancy Young
Assistant Vice President & Trust Operations Officer

Colleen Zawaski
Assistant Vice President

Joyce J. Stockwell
Loan Officer

Ruthie Brown
Assistant Cashier

Teresa Hartnell
Assistant Cashier

Susan Loberger
Assistant Cashier

Eva Lundstrom
Assistant Cashier

Shelda Dobson
Operations OFficer

Kimberly L. Jordine
Assistant Controller

Patricia E. Joslyn
Assistant Auditor

Leslie Maj
Human Resources Officer

Barbara Richter
Land Trust Officer