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  Northern States Financial Corporation     Bank Of Waukegan
Board Of Directors:
Fred Abdula
Chairman of the Board
Northern States Financial Corporation
and
President
Air Con Refrigeration and Heating. Inc.
Kenneth W. Balza
President
Bank of Waukegan

Jack H. Blumberg
Managing Partner
Blumberg & Company

Frank Furlan
President
Northern 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

Ray Mota
President
Mota Construction, 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.


Officers
Fred Abdula
Chairman of the Board & President

Kerry J. Biegay
Executive Vice President
Helen Rumsa
Secretary
Thomas M. Nemeth
Vice President & Treasurer

Corporate Offices
1601 North Lewis Avenue
Waukegan, Illinois 60085
847.244.6000


Fred Abdula
Chairman of the Board,
Chief Executive Officer

Kenneth W. Balza
President

Kerry J. Biegay
Executive Vice President

Richard Block
Senior Vice President &
Sr. Trust Officer
Roy H. Clark
Senior Vice President
John E. Crim
Senior Vice President
Bradley A. Nickerson
Senior Vice President
Joseph B. Panek
Senior Vice President
Daniel J. Ruffalo
Senior Vice President
Paul L. Svendsen
Senior Vice President

Stanley J. Trygar, Jr.
Senior Vice President

Thomas M. Williston
Senior Vice President

Thomas M. Nemeth, CPA
Vice President & Controller

James A. Powers, CPA
Vice President & Senior Auditor

Michael B. Renschen
Vice President

Jack Rose
Vice President

Tammy Wesenberg
Vice President & Cashier

James A. Gitzlaff
Vice President

Janet Ceskowski
Assistant Vice President
Timothy Deadrick
Assistant Vice President
Donald D. Evans
Assistant Vice President
Bruce Greenberg
Assistant VP & Compliance Officer
Virginia L. Gregg, CPA
Assistant VP & Trust Officer
Beverly C. Lindquist
Assistant VP & Trust Officer
Doris M. Miles
Assistant Vice President
William G. Russell
Assistant Vice President


LuAnn Schmidt
Assistant Vice President
Jean Tippet
Assistant Vice President
Kathleen Volling
Assistant Vice President
Colleen Zawaski
Assistant Vice President
Alain H. Oller
Loan Officer
Joyce J. Stockwell
Loan Officer
Ruthie Brown
Assistant Cashier
Pat Joslyn
Assistant Cashier
Rebecca Kehr
Assistant Cashier
Connie Urbanik
Assistant Cashier
Kimberly L. Jordine
Assistant Controller
Barbara Richter
Land Trust Officer
Nancy Young
Trust Officer
Shelda Dobson
Operation Officer
Leslie Maj
Human Resources Officer

Main Office
1601 North Lewis Avenue
Waukegan, Illinois 60085
847.244.6000
West Side Branch
Green Bay Road at
Grand Avenue
Waukegan, Illinois 60085
847.244.6000
Downtown Branch
Madison at County Street
Waukegan, Illinois 60085
847.623.0084
Gurnee Branch
5384 Grand Avenue
Gurnee, Illinois 60031
847.249.6312
Antioch Branch
Route 59 at Grass Lake Road
Antioch, Illinois 60002
847.395.6822
Winthrop Harbor Branch
700 North Sheridan
Winthrop Harbor, Illinois 60096
847.731.0671

..Member FDIC

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