Relationships	Role	Relationship Start	Relationship End
Keystone Financial, Inc.	Parent	5/31/1997	12/31/1998
Financial Trust Corp	Parent	11/3/1982	5/30/1997
Ft Realty Co.	Subsidary	5/31/1998	12/31/1998

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
First National Bank And Trust Co.	Seller	213,728	Pooling of Interests	Discontinued	9/27/1997
Chambersburg Memorial Square Branch	Seller		Pooling of Interests	Discontinued	9/27/1997
First Bank Of Hanover, Pennsylvania	Seller	94,183	Pooling of Interests	Discontinued	10/30/1995
Homestead Federal Savings Association	Seller	54,413		Failure	4/9/1994