s/ Vincent R. Valicenti ------------------------------- Vincent R. Valicenti, President February 14, 2003 /s/ Vincent R. Valicenti ------------------------------- Vincent R. ValicentiSchedule 13g Joint Filing Agreement • February 18th, 2003 • 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, 2002 and agree that this filing is filed on behalf of each of them.
