American Bank Online Extends Customer Service Hours

CONTACT: Mark W. Jaindl, President and Chief Executive Officer
Allentown, PA, April 17, 2000

American Bank Online has extended customer service hours to meet the needs of its expanding customer base across the United States.

While American Bank Online operates from a single-location in Pennsylvania, it is experiencing a significant growth in personal customers across the United States, including California, New York, Florida and Texas. “To meet the needs of those customers, we have expanded our telephone and electronic customer service hours from 8:00 a.m.until 8:00 p.m.Monday through Friday, and 8:00 a.m. until Noon on Saturday, Eastern time,” stated Mark Jaindl, President and CEO. “We expect that American Bank will continue to grow at a pace well above the norm for the banking industry, and we will continue to expand our customer service hours and facilities to meet our promise of a premier level of customer service.”

Customers of American Bank Online may contact Customer Service Representatives by telephone, e-mail, fax or through a Secure Message in PC Banker, its popular real-time Internet banking service.

About American Bank

American Bank is a locally-owned community bank based in Allentown, PA. American Bank is recognized as a 5-Star Superior rated financial institution (the highest rating possible) by Bauer Financial Inc., designating it as one of the strongest banks in the nation as well as being named one of the safest banks in the nation by MSN Money. American Bank was ranked #1 by the Morning Call’s Top Workplaces in the Lehigh Valley and has been named one of the Best Places to Work in Pennsylvania.

American Bank offers a complete selection of banking products and services to suit the needs of consumers and businesses and includes checking, money market, savings, certificates of deposit, consumer and commercial loans and Visa credit cards. Dedicated to providing customers superior, personalized customer service, American Bank also offers some of the best loan and deposit rates available and as a result, for the past 12 years, has received the® Top Tier award for consistently offering annual percentage yields (APYs) that were among the highest reported. Their online banking service, AmericanBank Online, which is accessible from the Bank’s website at, allows customers to bank conveniently and delivers a full range of real-time online banking services free of charge including online bill payment and presentment, ACH Direct, transfers between accounts, transaction history, check images and e-Statements. In addition, both consumer and business customers can bank on the go using mobile banking which includes mobile deposit. American Bank is FDIC insured and is an Equal Housing Lender.

AmericanBank Online is a registered trade mark for the Internet financial services provided by American Bank, a state-chartered, FDIC-insured, full-service financial institution serving customers throughout the United States. American Bank is a member of the Federal Reserve System.

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995

Statements in this press release regarding American Bank's business which are not historical facts, including expectations regarding future financial results, are "forward-looking statements" that involve risks and uncertainties which could cause actual results to differ materially from such statements.