Relationships	Role	Relationship Start	Relationship End
Keystone Financial, Inc.	Parent	1/8/1994	12/31/1998
Wm Bancorp	Parent	10/1/1990	1/7/1994
Potomac Bancorp, Inc.	Parent	9/19/1983	9/30/1990
Keystone Brokerage, Llc	Subsidary	11/8/1996	12/31/1998
Keystone Financial Mortgage Holding Company, Inc.	Subsidary	2/5/1997	12/31/1998
Key Investor Services, Inc.	Subsidary	7/31/1996	7/31/1998
Key Investor Services,Inc.	Subsidary	7/31/1996	7/31/1998
Key Investor Services, Inc.	Subsidary	7/31/1996	7/31/1998
Mid-Atlantic Service Corp	Subsidary	5/30/1997	6/29/1998
Lbcmd Corporation	Subsidary	2/1/1996	12/29/1997

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
Keystone Financial Bank, National Association	Buyer	6,760,945	Pooling of Interests	Discontinued	1/1/1999
Washington County National Bank	Seller	147,452	Pooling of Interests	Discontinued	6/7/1997
First Federal Savings Bank Of Western Maryland	Seller	363,359	Acquisition	Discontinued	5/30/1997
American Trust Bank	Seller	328,161	Pooling of Interests	Discontinued	2/1/1996