Directors As of December 31, 1999

Cleveland

G. Watts Humphrey, Jr. John R. Cochran Chairman & Federal Reserve Agent Chairman & CEO President FirstMerit Corporation GWH Holdings, Inc. Akron, , David S. Dahlmann David H. Hoag President & CEO Deputy Chairman Southwest Bank Former Chairman Greensburg, Pennsylvania The LTV Corporation , Ohio Wayne R. Embry President Cleveland Cavaliers Cleveland, Ohio Robert Y. Farrington Executive Secretary-Treasurer, Emeritus Ohio State Building and Construction Trades Council Columbus, Ohio Cheryl L. Krueger-Horn President & CEO Cheryl&Co. Westerville, Ohio Tiney M. McComb Chairman & President Heartland BancCorp Gahanna, Ohio David L. Nichols Former Chairman & CEO Mercantile Stores, Inc. Fairfield, Ohio

Cincinnati Pittsburgh

George C. Juilfs Judith G. Clabes John T. Ryan III Georgia Berner Chairman President & CEO Chairman President President & CEO Scripps Howard Foundation Chairman & CEO Berner International Corp. SENCORP Cincinnati, Ohio Mine Safety Appliances Company New Castle, Pennsylvania Newport, Kentucky Pittsburgh, Pennsylvania Phillip R. Cox Charles E. Bunch President & CEO Senior Vice President, Strategic Cox Financial Corporation Planning and Corporate Services Cincinnati, Ohio PPG Industries, Inc. Pittsburgh, Pennsylvania Jean R. Hale President & CEO Gretchen R. Haggerty Community Trust Bancorp, Inc. Vice President, Accounting and Finance Pikeville, Kentucky U.S. Steel Group Pittsburgh, Pennsylvania Thomas Revely III President & CEO Thomas J. O’Shane Cincinnati Bell Supply Co. Senior Executive Vice President Cincinnati, Ohio Sky Financial Group New Castle, Pennsylvania Wayne Shumate Chairman & CEO Edward V. Randall, Jr. Kentucky Textiles, Inc. Management Consultant Paris, Kentucky Babst Calland Clements & Zomnir Pittsburgh, Pennsylvania Stephen P. Wilson Chairman, President & CEO Peter N. Stephans Lebanon Citizens National Bank Chairman & CEO Lebanon, Ohio Trigon, Incorporated McMurray, Pennsylvania

34 Federal Reserve Bank of Cleveland Robert W. Gillespie Federal Advisory Council Representative Chairman & CEO KeyCorp Cleveland, Ohio

David L. Nichols, David H. Hoag, Cheryl L. Krueger-Horn, Tiney M. McComb, David S. Dahlmann, Robert Y. Farrington, and G. Watts Humphrey, Jr.

Thomas Revely III, Phillip R. Cox, George C. Juilfs, Judith G. Clabes, Peter N. Stephans, John T. Ryan III, and Edward V. Randall, Jr. Stephen P. Wilson, and Jean R. Hale

1999 Annual Report 35