Fidelity Bancorp Inc.

Fidelity Bancorp Inc. is listed on NASDAQ (FSBI). The Company, a Pennsylvania corporation headquartered in Pittsburgh, Pennsylvania, provides a full range of banking services through its wholly owned banking subsidiary, Fidelity Bank, PaSB. The Company conducts no significant business or operations of its own other than holding all the outstanding stock of the Bank. Because the primary activities of the Company are those of the Bank, references to the Bank used throughout this document, unless the context indicates otherwise, generally refer to the consolidated entity. On December 31, 2002, the Company completed the acquisition of First Pennsylvania Savings Association (First Pennsylvania) in a merger conversion. First Pennsylvania operated from one office in Pittsburgh, Pennsylvania and had approximately $26.8 million in assets.

Fidelity Bankshares Inc.

Fidelity Bankshares Inc. is listed on NASDAQ (FFFL). Fidelity Bankshares, Inc. is a Delaware corporation which, on May 15, 2001, became the holding company parent of Fidelity Federal Bank & Trust, following the completion of the second step mutual-to-stock conversion of Fidelity Bankshares, MHC. Prior to completion of the second step conversion, Fidelity Federal Bank & Trust's mid-tier stock holding company parent was also called Fidelity Bankshares, Inc. References to Fidelity Bankshares, Inc. includes references before and after the second step conversion. The conversion was accounted for as a change in corporate form with no subsequent change in the historical basis of the Company's assets, liabilities and equity. All references in this filing to share data (including number of shares and per-share amounts) have been restated giving retroactive recognition to the exchange rate. At December 31, 2004, the only significant asset or business activity of Fidelity Bankshares, Inc.

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