s/Vincent R. Valicenti ------------------------------- Vincent R. Valicenti, President February 14, 2002 /s/Vincent R. Valicenti ------------------------------- Vincent R. Valicenti

                                                                    Exhibit 99.1

                     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, 2001 and agree
     that this filing is filed on behalf of each of them.


     February 14, 2002       Xxxxxxxxx Advisory Services, Inc.

                             /s/Xxxxxxx X. Xxxxxxxxx
                              -------------------------------
                              Xxxxxxx X. Xxxxxxxxx, President

     February 14, 2002       /s/Xxxxxxx X. Xxxxxxxxx
                              -------------------------------
                              Xxxxxxx X. Xxxxxxxxx