0001047469-99-026116 Sample Contracts

PN HOLDINGS, INC. COMMON STOCK
Underwriting Agreement • June 30th, 1999 • Pn Holdings Inc • National commercial banks • Florida

as representative of the several underwriters (the "Representative") c/o William R. Hough & Co. 100 Second Avenue South, Suite 800 St. Petersburg, FL 33701-4386

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