First Niles Financial Inc.

First Niles Financial Inc. is listed on NASDAQ (FNFI). First Niles Financial, Inc. (First Niles) is a unitary, non-diversified, Delaware holding company. First Niles has no significant operations outside those of its wholly-owned operating subsidiary, Home Federal Savings and Loan Association of Niles (Home Federal or the Bank). References in this Form 10-KSB to we, us, and our refer to First Niles and-or Home Federal as the context requires. Our principal business consists of attracting retail deposits from the general public and investing those funds primarily in permanent and construction loans secured by first mortgages on one- to four-family residences. We also originate permanent and construction loans secured by first mortgages on commercial and multi-family real estate. To a much lesser extent, we originate consumer and commercial business loans.

First Oak Brook Bancshares Inc.

First Oak Brook Bancshares Inc. is listed on NASDAQ (FOBB). First Oak Brook Bancshares, Inc. was organized under Delaware law in 1983 as a bank holding company under the Bank Holding Company Act of 1956, as amended. Effective May 26, 2004, the Company became a Financial Holding Company pursuant to the Gramm-Leach-Bliley Act of 1999. The Company is headquartered and its largest banking office is located in Oak Brook, Illinois, twenty miles west of downtown Chicago. The Company employs 322 full-time and 37 part-time employees which represent 342 full-time equivalent employees at December 31, 2004. The Company has authorized 16,000,000 shares of Common Stock with a par value of $2.00. As of December 31, 2004, the Company had total assets of $2.083 billion, loans of $1.072 billion, deposits of $1.715 billion, and shareholders' equity of $133.8 million. The Company owns all of the outstanding capital stock of Oak Brook Bank in Oak Brook, Illinois, which is an Illinois state-chartered bank.

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