CUSIP No. 269079109 Page 7 of 7 Pages Exhibit A AGREEMENT PURSUANT TO RULE 13D-1(F)(1) 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...

        
CUSIP No. 000000000                             Page 7 of 7 Pages
     
                                                   Exhibit A
     
     
             AGREEMENT PURSUANT TO RULE 13D-1(F)(1)
     
     
          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, 1998
     and agree that this filing is filed on behalf of each
     of them.
     
     
     February 11, 1999    Xxxxxxxxx Advisory Services, Inc.       
                                             
     
                          By:/s/ Xxxxxxx X. Xxxxxxxxx
                             -------------------------------
                             Xxxxxxx X. Xxxxxxxxx, President
     
     
     February 11, 1999       /s/ Xxxxxxx X. Xxxxxxxxx
                             -------------------------------  
                             Xxxxxxx X. Xxxxxxxxx