The Chase Manhattan Bank (National Association)

The First National Bank of Cooperstown

Norstar Bank of the Hudson Valley, National Association

Kings Lafayette Bank

Roosevelt Savings Bank

Rhinebeck Savings Bank

Citibank (Suffolk) National Association

Riverside Bank

Sunrise Federal Savings Bank

Dime Federal Savings and Loan Association

The Hongkong and Shanghai Banking Corporation Limited

USNY Bank

First State Bank

United Bank

Wilber National Bank

The State Bank of Seneca Falls, N.Y.

The Bank for Savings of Westchester

Wappinger Savings Bank

Fidata Trust Company New York

Empire of America Fsa-Hempstead

Salamanca Federal Savings and Loan Association

Dollar Federal Savings and Loan Association

Excel Bank National Association

Groveland State Bank

The National Bank of Orange and Ulster Counties

The National Bank of Roxbury

Bank of Gouverneur

Jefferson Savings Bank

The Greenwich Savings Bank

Gateway State Bank

Sound Federal Savings

American Savings and Loan Association

Savings Bank of the Finger Lakes FSB

American Community Bank

Ballston Spa National Bank

THE FIRST NATIONAL BANK OF JAMESTOWN

Seaway National Bank

Chase Manhattan Bank of Western New York (National Association)

First Niagara Bank, National Association

Century National Bank and Trust Company

Korea First Bank of New York

Northfield Bank

Niagara First Savings and Loan Association

Goldman Sachs Bank USA

Provident Municipal Bank

Olean Trust Company

Community Bank, National Association

Farmers National Bank of Malone

The First National Bank of Wayland

The New York Bank for Savings