NORTHERN STATES FINANCIAL CORPORATION       NORTHERN   STATES   FINANCIAL   CORPORATION   BOARD  OF   DIRECTORS                 Fred Abdula Chairman of the Board, Northern States Financial Corporation and President, Air Con Refrigeration and Hearing, Inc. Kenneth W. Balza Retired Bank of Waukegan     Jack H. Blumberg Managing Partner Blumberg & Company Frank Furlan President Norther Illinois Survey Company                                 Harry S. Gaples President Kleinschmidt, Inc.    Laurance A. Guthrie Vice President-Secretary Doyle Distributing Co., Inc. James A. Hollensteiner President Hollensteiner & Associates Raymond M. Mota President Mota Construction Co., Inc                                 Helen Rumsa Secretary Bertrand Bowling Lanes, Inc. Frank Ryskiewicz Chairman of the Board Bertrand Bowling Lanes, Inc. Henry G. Tewes Retired Tewes Company Arthur J. Wagner Retired Fansteel, Inc.        NSFC ANNUAL REPORT 2000 9