s/ Vincent R. Valicenti ------------------------------- Vincent R. Valicenti, President February 14, 2003 /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, 2002 and agree
     that this filing is filed on behalf of each of them.


     February 14, 2003       Xxxxxxxxx Advisory Services, Inc.

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

     February 14, 2003        /s/ Xxxxxxx X. Xxxxxxxxx
                              -------------------------------
                              Xxxxxxx X. Xxxxxxxxx