SECURITIES AND EXCHANGE COMMISSION

   Litigation Release No. 16959 \ April 10, 2001

   SECURITIES AND EXCHANGE COMMISSION V. MELISSA K. QUIZENBEURY, Civil
   Action No. 1 01-303 (S.D.W. Va.) (filed April 10, 2001)

   FORMER KEYSTONE BANK OFFICER AND DIRECTOR SETTLES SEC CHARGES OF
   INSIDER TRADING

   On April 10, 2001, the Commission filed a complaint in the United
   States District Court for the Southern District of West Virginia
   alleging that Melissa K. Quizenbeury, a former officer and director of
   First National Bank of Keystone ("Bank"), sold Bank stock while in
   possession of material nonpublic information about the adverse
   financial condition and improper activities conducted at the Bank.
   Between June 16, 1999 and July 6, 1999, Quizenbeury sold 2,000 Bank
   shares at $220.00 per share and avoided losses of $440,000.

   The Commission's complaint specifically alleges that at the time
   Quizenbeury sold her stock, she knew that the Office of the
   Comptroller of the Currency ("OCC") had prohibited the Bank from
   accepting brokered deposits. Brokered deposits are deposits obtained
   by banks for which the banks pay a fee. Despite the OCC's restriction,
   Quizenbeury knew that the Bank had accepted millions of dollars in
   brokered deposits. Quizenbeury also falsely reported to the Executive
   Committee of the Bank's Board of Directors that the Bank had not
   accepted brokered deposits. Quizenbeury also knew that Bank executives
   had falsified Bank records and filed inaccurate reports with the OCC.
   At the time she sold her Bank stock, Quizenbeury knew that it was
   essentially worthless.

   On September 1, 1999, the OCC declared the Bank to be insolvent, and
   the FDIC was appointed as receiver for the Bank. The insolvency
   determination followed the OCC's discovery that the assets of the Bank
   had been overstated by as much as $515 million. By September 2, 1999,
   the Bank stock was worthless.

   Simultaneously with the filing of the Commission's complaint,
   Quizenbeury, without admitting or denying the Commission's
   allegations, consented to the entry of a judgment permanently
   enjoining her from violating Section 17(a) of the Securities Act of
   1933 and Section 10(b) of the Securities Exchange Act of 1934 and Rule
   10b-5 thereunder.

     The United States Attorney's office for the Southern District of
     West Virginia has filed a criminal charge against Quizenbeury
     arising from the same conduct charged in the SEC complaint.