CUSIP No. ▇▇▇▇▇▇▇▇▇ 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.
August 18, 2000 ▇▇▇▇▇▇▇▇▇ Advisory Services, Inc.
By:/s/▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇
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▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇, President
August 18, 2000 /s/▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇
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▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇
