Appendix C - locations of Allfirst Bank offices in Maryland and Pennsylvania

Federal Reserve Bulletin, May, 2003

Banking Markets in which M&T and Allfirst
Compete Directly

Maryland

Hagerstown       Washington County, Maryland; and
                 Fulton County, Pennsylvania.

Pennsylvania

Harrisburg      Cumberland, Dauphin, Juniata, Lebanon,
                and Perry Counties.

Lancaster       Lancaster County.

Lehigh Valley   Carbon, Lehigh, and Northampton
                Counties.

Philadelphia    Bucks, Chester, Delaware, Montgomery,
                and Philadelphia Counties, Pennsylvania;
                and Burlington, Camden, Gloucester, and
                Salem Counties, the City of Trenton, and
                the townships of Ewing, Hamilton, and
                Lawrence, New Jersey.

Reading         Berks County.
York            Adams and York Counties.