Appendix D - Allfirst Bank of Hagerstown Maryland; assets described by branch location

Federal Reserve Bulletin, May, 2003

APPENDIX D

Data for Banking Markets in which M&T and
Allfirst Compete Directly

Maryland

Hagerstown      Allfirst operates the largest depository
                institution in the market, controlling
                deposits of approximately $496.9 million,
                representing approximately
                16.8 percent of market deposits. M&T
                operates the fourth largest depository
                institution in the market, controlling
                deposits of approximately $339.7 million,
                representing approximately
                11.4 percent of market deposits. On consummation
                of the proposal, M&T would
                operate the largest depository institution
                in the market, controlling deposits of
                approximately $836.6 million, representing
                28.2 percent of market deposits.
                The HHI would increase by 384 points
                to 1461.

Pennsylvania

Harrisburg      Allfirst operates the largest depository
                institution in the market, controlling
                deposits of approximately $1.07 billion,
                representing approximately 13.4 percent
                of market deposits. M&T operates the
                eighth largest depository institution in
                the market, controlling deposits of
                approximately $432.5 million, representing
                approximately 5.4 percent of market
                deposits. On consummation of the proposal,
                M&T would operate the largest
                depository institution in the market,
                controlling deposits of approximately
                $1.5 billion, representing 18.8 percent
                of market deposits. The HHI would
                increase by 146 points to 909.

Lancaster       Allfirst operates the seventh largest
                depository institution in the market,
                controlling deposits of approximately
                $266.5 million, representing approximately
                4.4 percent of market deposits.
                M&T operates the 19th largest depository
                institution in the market, controlling
                deposits of approximately $12.9 million,
                representing less than 1 percent of market
                deposits. On consummation of the
                proposal, M&T would operate the seventh
                largest depository institution in the
                market, controlling deposits of approximately
                $279.4 million, representing
                4.6 percent of market deposits. The HHI
                would increase by 2 points to 1269.

Lehigh Valley   Allfirst operates the 20th largest depository
                institution in the market, controlling
                deposits of approximately $108.1 million,
                representing approximately 1.4 percent
                of market deposits. M&T operates
                the 25th largest depository institution
                in the market, controlling deposits of
                approximately $44.3 million, representing
                less than 1 percent of market deposits.
                On consummation of the proposal,
                M&T would operate the 14th largest
                depository institution in the market,
                controlling deposits of approximately
                $152.5 million, representing approximately
                2 percent of market deposits. The
                HHI would increase by 2 points to 1193.

Philadelphia    M&T operates the 15th largest depository
                institution in the market, controlling
                deposits of approximately $696.5 million,
                representing approximately less
                than 1 percent of market deposits. Allfirst
                operates the 95th largest depository institution
                in the market, controlling deposits
                of approximately $42.1 million, representing
                less than 1 percent of market
                deposits. On consummation of the proposal,
                M&T would operate the 15th largest
                depository institution in the market,
                controlling deposits of approximately
                $738.5 million, representing 1 percent
                of market deposits. The HHI would
                increase by 1 point to 1057.

Reading         Allfirst operates the fourth largest
                depository institution in the market,
                controlling deposits of approximately
                $525.6 million, representing approximately
                12.1 percent of market deposits.
                M&T operates the 11th largest depository
                institution in the market, controlling
                deposits of approximately $110.9 million,
                representing 2.6 percent of market
                deposits. On consummation of the proposal,
                M&T would operate the fourth
                largest depository institution in the market,
                controlling deposits of approximately
                $636.5 million, representing
                14.7 percent of market deposits. The
                HHI would increase by 71 points to
                1333.

York            Allfirst operates the largest depository
                institution in the market, controlling
                deposits of approximately $1.38 billion,
                representing approximately 24.9 percent
                of market deposits. M&T operates the
                14th largest depository institution in the
                market, controlling deposits of approximately
                $61.3 million, representing
                approximately 1.1 percent of market
                deposits. On consummation of the proposal,
                M&T would operate the largest
                depository institution in the market,
                controlling deposits of approximately
                $1.44 billion, representing approximately
                26 percent of market deposits. The HHI
                would increase by 55 points to 1227.