March 21, 2001 MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED LEHMAN BROTHERS INC. A.G. EDWARDS & SONS, INC. MCDONALD INVESTMENTS INC. STEPHENS INC. As Representatives of the several Underwriters named in Schedule 1 c/o Merrill Lynch, Pierce,...Underwriting Agreement • March 23rd, 2001 • Provident Financial Group Inc • State commercial banks • New York
