Cardinal Bancorp, Incorporated

As Of January 22,1999, Cardinal Bancorp Inc. was acquired by Susquehanna Bancshares, Inc. Cardinal Bancorp, Inc. operates as the bank holding company for the First American National Bank of Pennsylvania (the bank) that offers various commercial banking services. It offers various deposits instruments, including interest bearing accounts, regular savings accounts, money market accounts, and fixed and variable rate certificates of deposit. The bank offers secured and unsecured commercial loans, including construction, agricultural, and mortgage loans; consumer loans; residential mortgage loans; home equity lines of credit; revolving credit loans; small business loans; student loans; and financing on new car and truck loans. It also offers travelers checks, safe deposit facilities, and 24 hour banking services. As of December 31, 1998, the bank operated five banking offices in Bedford and Blair Counties, Pennsylvania. The company was formed in 1986 and is based in Everett, Pennsylvania.