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Non-Tech : Independence Savings Bank (ICBC) -- Ignore unavailable to you. Want to Upgrade?

To: gambler2 who wrote (132)	3/19/1998 7:46:00 PM
From: Steve Bogart	Read Replies (1) \| Respond to of 246

<<Absolutely, all that mattered was 3/31/96. In fact one of my accounts I had closed down 4/1/96 (g-d was on my side) and it counted towards my allocation.>> Strange...I had an account which was active 3/31/96, but had closed it in 1997. I never received any forms for that account. hmmmm? guess I got screwed....

To: gambler2 who wrote (132)	3/20/1998 12:19:00 AM
From: Kenneth Xavier	Respond to of 246

Gambler, Back to the HARBD (second stage conversion) that began trading today; At todays price of 12 this stock is only trading at about 125% to book compared to the median Florida bank of around 225% to book. All other numbers look great like NPA's, LTM ROAA, LTM ROAE, etc. Lots of room for stock price appreciation for HARBD IMO, ($2-$4) near term. The others here that we have been debating here are fully valued comparibly speaking to the price to book ratio's in their states like RCBK (I OWN), CAVB, ICBC to name a few. HARBD looks like a real bargain at these levels. Ken