Neffs Bancorp, Inc. (the "corporation") is a Pennsylvania business corporation, which is registered as a bank holding company under the Bank Holding Company Act of 1956, as amended (the "Holding Company Act"). The corporation was incorporated on March 24, 1986 and became an active bank holding company on October 31, 1986.

As of December 31, 2005, the corporation has approximately $214 million in assets, $173 million in deposits, $82 million in net loans and $39 million in stockholders' equity. The bank is a member of the FRB and substantially all of the Bank's deposits are insured up to the applicable limits by the Bank Insurance Fund...