Evergreen Bancorp, Inc.

Evergreen Bancorp, Inc. is a one bank holding company with headquartered in Glens Falls, New York. The bank has one principal subsidiary, Evergreen Bank, N.A that operates 27 banking locations concentrated in three main regions generally known as Glens Falls, Plattsburg and Albany. Evergreen provides a wide range of deposits, lending, trust and investment services to corporate, institutional and individual customers. Such banking services include, accepting deposits, making loans, checking and interest accounts, safe deposit boxes and access to automated teller machines. Interest and fees on loans accounted for 71% of 1997 revenues; other income, 21% and non-interest income, 8%.