Directors and Executive Officers

DIRECTORS	EXECUTIVE OFFICERS	AFFILIATE PRESIDENTS AND CEOs
William E. Swan Chairman, President and Chief Executive Officer First Niagara Financial Group, Inc. Gordon P. Assad President and Chief Executive Officer Erie & Niagara Insurance Association John J. Bisgrove, Jr. President & Owner (Retired) Red Star Express Lines James W. Currie President Ag Pak, Inc. Gary B. Fitch President & Owner Ontario Orchards, Inc. Daniel W. Judge President Dansam, Inc. Harvey Kaufman Deputy Director Rural Schools Program, Cornell University Superintendent (Retired) Cortland City School District B.Thomas Mancuso President Mancuso Business Development Group James Miklinski General Manager Niagara Milk Cooperative Robert G.Weber Managing Partner (Retired) KPMG LLP	William E. Swan Chairman, President and Chief Executive Officer G. Gary Berner Executive Vice President - Commercial Banking Paul J. Kolkmeyer Executive Vice President - Consumer Banking Kathleen P. Monti Executive Vice President - Administration Daniel E. Cantara Senior Vice President - Financial Services Group Daniel A. Dintino, Jr. Senior Vice President - Chief Financial Officer Frank J. Polino Senior Vice President - Technology & Operations	Mary Collins Sanborn President and Chief Executive Officer Niagara Investment Advisors, Inc. Joseph E. David President First Niagara Leasing, Inc. Gregory J. Dendler President Allied Claim Services, Inc. John D. Hoffman Chief Executive Officer Warren-Hoffman & Associates, Inc. David J. Nasca President and Chief Executive Officer Cayuga Bank F. Michael Stapleton President and Chief Executive Officer Cortland Savings Bank Larry Thompson President NOVA Healthcare Administrators, Inc. Michael C.Tylwalk President Warren-Hoffman & Associates, Inc.