s/Vincent R. Valicenti ------------------------------- Vincent R. Valicenti, President February 14, 2002 /s/Vincent R. Valicenti ------------------------------- Vincent R. ValicentiJoint Filing Agreement • February 14th, 2002 • Es&l Bancorp Inc • Savings institution, federally chartered
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.
