FIRST ROBINSON FINANCIAL CORP

First Robinson is a federally chartered mutual savings and loan association headquartered in Robinson, Illinois. Its deposits are insured up to the maximum allowable amount by the SAIF of the FDIC. First Robinson serves primarily Crawford County, Illinois. At December 31, 1996, First Robinson had total assets of $67.5 million, deposits of $59.6 million and equity capital of $4.7 million. First Robinson has been, and intends to continue to be, a locally-owned, community-oriented financial institution offering selected financial services to meet the needs of the communities it serves.