FORM 10-Q/A
                                 Amendment No. 1

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


(Mark One)

(X)               QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE
                  SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2005, OR
                               --------------

(   )    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE
         SECURITIES EXCHANGE ACT OF 1934

For the transition period from ____________ to ____________.

Commission File No. 0-12870.


                        FIRST CHESTER COUNTY CORPORATION
                        ---------------------------------
             (Exact name of Registrant as specified in its charter)


              Pennsylvania                                     23-2288763
              ------------                                     ----------
    (State or other jurisdiction of                         (IRS Employer
     incorporation or organization)                          Identification No.)


 9 North High Street, West Chester, Pennsylvania                 19380
 -----------------------------------------------                 -----
    (Address of principal executive office)                    (Zip code)


                                 (484) 881-4000
              (Registrant's telephone number, including area code)

Indicate by check mark whether the Registrant (1) has filed all reports required
to be filed  by  Section  13 or 15 (d) of the  Securities  Exchange  Act of 1934
during the preceding 12 months (or for such shorter  period that the  Registrant
was  required  to file such  reports),  and (2) has been  subject to such filing
requirements for the past 90 days. Yes X No ___

Indicate  by check mark  whether  the  registrant  is an  accelerated  filer (as
defined in Rule 12b-2 of the Exchange Act). Yes X No ___ -

The number of shares outstanding of Common Stock of the Registrant as of May 2,
2005 was 4,585,788.

                                       1
<PAGE>
                FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES
                                   Form 10Q/A

This  amendment on Form 10-Q/A (this  "Report") is being filed to amend the Form
10-Q filed by First Chester County Corporation on May 6, 2005 to correct certain
information  relating to the Corporation's  common stock and additional  paid-in
capital that was included in the financial  statements as Part 1, Item 1 of that
Form 10-Q, to revise and restate Footnote 6 of those financial  statements,  and
correct  the number of shares  outstanding  as of May 2, 2005 shown on the cover
sheet. Item 6 is revised to include certifications relevant to this Report.

                                      INDEX
                                      -----
<TABLE>
<CAPTION>

                                                                                                                        PAGE
                                                                                                                        ----
<S>               <C>                                                                                               <C>

Part I.  FINANCIAL INFORMATION

                  Item 1 -   Financial Statements
                             Consolidated Statements of Condition
                             March 31, 2005 (unaudited) and December 31, 2004                                             3

                             Consolidated Statements of Income
                             Three-Months Ended March 31, 2005 and 2004 (unaudited)                                       4

                             Consolidated Statements of Cash Flows
                             Three-Months Ended March 31, 2005 and 2004 (unaudited)                                       5

                             Notes to Consolidated Financial Statements                                                 6-9

Part II. OTHER INFORMATION

                  Item 6 -   Exhibits                                                                                    10

                             Signatures                                                                                  11

                             Index to Exhibits                                                                           12

                             Exhibits                                                                                 13-18
</TABLE>

                                       2
<PAGE>
                          PART I. FINANCIAL INFORMATION

ITEM 1.  Financial Statements

                FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF CONDITION
<TABLE>
<CAPTION>
 (Dollars in thousands)                                                                   March 31,
                                                                                            2005              December 31,
                                                                                         (unaudited)               2004
                                                                                         -----------          ------------
<S>                                                                                      <C>                   <C>
ASSETS
    Cash and due from banks                                                               $  21,522            $  24,656
    Federal funds sold and other overnight investments                                            -                6,500
    Interest bearing deposits in banks                                                          230                  454
                                                                                           --------             --------

                Total cash and cash equivalents                                              21,752               31,610
                                                                                           --------             --------

    Investment securities held-to-maturity (fair value of $10
        at March 31, 2005 and $11 at December 31, 2004, respectively)                            10                   10

    Investment securities available-for-sale, at fair value                                 109,990              140,019

    Loans and leases                                                                        640,841              618,005
    Less:  Allowance for loan and lease losses                                               (7,449)              (7,213)
                                                                                           --------             --------
                Net loans and leases                                                        633,392              610,792

    Premises and equipment                                                                   13,848               14,137
    Other assets                                                                              9,403                8,907
                                                                                           --------             --------
                Total assets                                                              $ 788,395            $ 805,475
                                                                                           ========             ========
LIABILITIES
    Deposits
        Noninterest-bearing                                                               $ 126,717            $ 125,452
        Interest-bearing (including certificates of deposit over $100
           of $29,503 and $33,048 - March 31, 2005 and
           December 31, 2004 respectively)                                                  515,853              537,566
                                                                                           --------             --------

        Total deposits                                                                      642,570              663,018

    Federal Home Loan Bank advances and other borrowings                                     70,799               66,464
    Junior subordinated debentures                                                           15,465               15,465
    Other liabilities                                                                         4,777                5,126
                                                                                           --------             --------

        Total liabilities                                                                 $ 733,611            $ 750,073
                                                                                           --------             --------

STOCKHOLDERS' EQUITY
    Common stock, par value $1.00; authorized, 25,000,000 shares;
        outstanding, 4,799,666 at March 31, 2005 and 4,799,666 December 31, 2004              4,800                4,800
    Additional paid-in capital                                                                2,113                2,052
    Retained earnings                                                                        54,113               53,747
    Accumulated other comprehensive loss                                                     (1,401)                 (77)
    Treasury stock, at cost:  240,767 shares and 261,185 shares
       at March 31, 2005 and December 31, 2004, respectively                                 (4,841)              (5,121)
                                                                                           --------             --------

                Total stockholders' equity                                                   54,784               55,402
                                                                                           --------             --------

                Total liabilities and stockholders' equity                                $ 788,395            $ 805,475
                                                                                           ========             ========

</TABLE>

The accompanying notes are an integral part of these statements.

                                       3
<PAGE>
                FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES
                        CONSOLIDATED STATEMENTS OF INCOME
                                   (UNAUDITED)
<TABLE>
<CAPTION>

(Dollars in thousands - except per share)                                                          Three Months Ended
                                                                                             ---------------------------
                                                                                                        March 31,
                                                                                                2005               2004
                                                                                              -------            -------
<S>                                                                                        <C>                <C>
INTEREST INCOME
    Loans and leases, including fees                                                        $   8,918          $   7,332
    Investment securities                                                                       1,237              1,287
    Federal funds sold and other overnight investments                                             27                 19
    Deposits in banks                                                                               2                  1
                                                                                             --------           --------
                Total interest income                                                          10,184              8,639
                                                                                             --------           --------
INTEREST EXPENSE
    Deposits                                                                                    1,752              1,180
    Junior subordinated debentures                                                                220                165
    Federal Home Loan Bank advances and other borrowings                                          594                324
                                                                                             --------           --------

                Total interest expense                                                          2,566              1,669
                                                                                             --------           --------

                Net interest income                                                             7,618              6,970

    Provision for loan and lease losses                                                           507                300
                                                                                             --------           --------

                Net interest income after provision for possible loan losses                    7,111              6,670
                                                                                             --------           --------

NON-INTEREST INCOME
    Trust and Investment Services                                                                 869                947
    Service charges on deposit accounts                                                           473                524
    Investment securities gains, net                                                               67                 53
    Operating lease rental income                                                                 228                193
    Gains on the sale of fixed assets and OREO                                                      1                 25
    Gains and fees on the sale of residential mortgages                                            81                141
    Other                                                                                         565                503
                                                                                             --------           --------

                Total non-interest income                                                       2,284              2,386
                                                                                             --------           --------

NON-INTEREST EXPENSE
    Salaries and employee benefits                                                              4,092              3,875
    Occupancy, equipment and data processing                                                    1,383              1,330
    Depreciation expense on operating leases                                                      200                172
    Bank shares tax                                                                               173                125
    Professional services                                                                         796                334
    Other                                                                                       1,323              1,077
                                                                                             --------           --------
                Total non-interest expense                                                      7,967              6,913
                                                                                             --------           --------

                Income before income taxes                                                      1,428              2,143

INCOME TAXES                                                                                      410                642
                                                                                             --------           --------

NET INCOME                                                                                  $   1,018          $   1,501
                                                                                             ========           ========

PER SHARE DATA
    Basic earnings per common share                                                         $    0.20          $    0.30
                                                                                             ========           ========
    Diluted earnings per common share                                                       $    0.19          $    0.29
                                                                                             ========           ========
    Dividends declared                                                                      $  0.1283          $  0.1238
                                                                                             ========           ========

Basic weighted average shares outstanding                                                   5,215,017          4,976,453
                                                                                            =========          =========

Diluted weighted average shares outstanding                                                 5,034,483          5,192,946
                                                                                            =========          =========

The accompanying notes are an integral part of these statements.
</TABLE>
                                       4
<PAGE>
                FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES

                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                   (UNAUDITED)
<TABLE>
<CAPTION>
                                                                                                   Three Months Ended
 (Dollars in thousands)                                                                                  March 31,
                                                                                             ----------------------------
                                                                                              2005                   2004
                                                                                              ----                   ----
<S>                                                                                        <C>                  <C>

OPERATING ACTIVITIES
    Net Income                                                                               $  1,018            $   1,501
    Adjustments to reconcile net income to net cash
           provided by operating activities:
    Depreciation                                                                                  713                  622
    Provision for loan and lease losses                                                           507                  300
    Amortization of investment security premiums
           and accretion of discounts                                                             560                  179
    Amortization of deferred fees on loans                                                          2                  (38)
    Investment securities (gains), net                                                            (67)                 (53)
    Increase) in other assets                                                                  (1,818)                 662
    (Decrease) in other liabilities                                                              (349)                 (18)
                                                                                              -------              -------

           Net cash provided by operating activities                                         $    566             $  3,155
                                                                                              -------              -------

INVESTING ACTIVITIES
    (Increase) in loans                                                                       (23,109)             (13,979)
    Proceeds from sales of investment securities available-for-sale                            26,099               12,195
    Proceeds from maturities of investment securities available-for-sale                       51,764                8,187
    Proceeds from maturities of investment securities held to maturity                             --                    1
    Purchases of investment securities available-for-sale                                     (48,327)             (13,944)
    Purchase of premises and equipment, net                                                      (425)                (290)
                                                                                              -------              -------

    Net cash provided by investing activities                                                $  6,002             $ (7,830)
                                                                                              -------              -------

FINANCING ACTIVITIES
    Increase in Federal Home Loan advances                                                      4,335                1,694
    (Decrease) increase in deposits                                                           (20,448)              13,983
    (Decrease) increase in securities sold under repurchase agreements
    Cash dividends paid                                                                          (653)                (631)
    Repurchase of Treasury stock                                                                  340                   96
                                                                                              -------              -------

           Net cash provided by (used in) financing activities                                (16,426)              15,142
                                                                                              -------              -------

           NET DECREASE IN CASH AND CASH
               EQUIVALENTS                                                                     (9,858)              10,467

Cash and cash equivalents at beginning of year                                                 31,610               31,383
                                                                                              -------              -------

Cash and cash equivalents at end of period                                                   $ 21,752             $ 41,850
                                                                                              =======              =======


The accompanying notes are an integral part of these statements.
</TABLE>
                                       5
<PAGE>
                FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

                                   (UNAUDITED)

1.   BASIS OF PRESENTATION

     The  foregoing  unaudited  financial   statements  have  been  prepared  in
accordance with generally accepted  accounting  principles for interim financial
information.  In the opinion of Management,  all adjustments (consisting only of
normal recurring adjustments) necessary for a fair presentation of the financial
position and the results of operations  for the interim  period  presented  have
been included.  These interim financial statements should be read in conjunction
with the consolidated financial statements and footnotes thereto included in our
Annual Report on Form 10-K for the fiscal year ended December 31, 2004.

     The results of operations for the  three-month  period ended March 31, 2005
are not necessarily  indicative of the results to be expected for the full year.
Information regarding risks and uncertainties that could cause actual results to
vary  materially  from  our  prior  performance  may be  found  in  Management's
Discussion and Analysis of Financial Condition and Results of Operations in Part
I, Item 2 of our  Quarterly  Report on Form 10-Q for the period ending March 31,
2005.

2.   EARNINGS PER SHARE
<TABLE>
<CAPTION>

Three Months ended March 31, 2005
---------------------------------

                                                                        Income               Shares                Per Share
                                                                     (numerator)          (denominator)              Amount
                                                                     -----------          -------------            ---------
<S>                                                                    <C>                 <C>                      <C>

Basic earnings per share
        Net income available to common stockholders                     $1,018              5,034,483                $ 0.20
Effect of Dilutive Securities
        Options to purchase common stock                                    --                180,534                 (0.01)
                                                                         -----              ---------                 -----
Diluted earnings per share
        Net income available to common stockholders                     $1,018              5,215,017                $ 0.19
                                                                         =====              =========                 =====
</TABLE>
<TABLE>

Three Months ended March 31, 2004
---------------------------------

                                                                        Income               Shares                Per Share
                                                                     (numerator)          (denominator)              Amount
                                                                     -----------          -------------            ---------
<S>                                                                    <C>                 <C>                      <C>
Basic earnings per share
        Net income available to common stockholders                     $1,501              4,976,453                $ 0.30
Effect of Dilutive Securities
        Options to purchase common stock                                    --                216,494                  (.01)
                                                                         -----              ---------                 -----
Diluted earnings per share
        Net income available to common stockholders                     $1,501              5,192,946                $ 0.29
                                                                         =====              =========                 =====
</TABLE>
                                       6
<PAGE>
                FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued

                                   (UNAUDITED)

3.   COMPREHENSIVE INCOME

     Components of comprehensive income are presented in the following chart:
<TABLE>
<CAPTION>

                                                                    Three Months Ended
                                                                          March 31,
                                                                 ------------------------
                                                                   2005             2004
                                                                 -------          -------
    <S>                                                         <C>               <C>
     Unrealized gains on securities:
       Unrealized gains (losses) arising in period               $ 1,841           $  806
       Reclassification adjustment                                    --               --
       Net unrealized gains (losses)                                 (67)              53
                                                                  ------            -----
     Other comprehensive income before taxes                       1,774              859
     Income tax expense                                             (450)            (218)
                                                                  ------            -----
     Other comprehensive income                                    1,324              641
                                                                  ------            -----
     Comprehensive income (losses)                               $ 2,342           $2,142
                                                                  ======            =====
</TABLE>

4.   JUNIOR SUBORDINATED DEBENTURES

     Management  has  determined  that First Chester County Capital Trust I & II
qualify as variable interest entities under FASB  Interpretation  Number ("FIN")
46, as revised.  First Chester  County  Capital Trust I & II issued  mandatorily
redeemable  preferred  securities  to  investors  and loaned the proceeds to the
Corporation.  First  Chester  County  Capital  Trust I & II are  included in the
Corporation's  consolidated balance sheet and statements of income as of and for
the year ended  December  31,  2003.  Subsequent  to the  issuance  of FIN 46 in
January 2003, the FASB issued a revised interpretation, FIN 46(R) "Consolidation
of Variable  Interest  Entities,"  the  provisions  of which were required to be
applied to certain variable interest entities by March 31, 2004. The Corporation
adopted the provisions under the revised  interpretation in the first quarter of
2004. The deconsolidation resulted in the Corporation's investment in the common
securities of First Chester  County Capital Trust I & II being included in other
assets and a  corresponding  increase in outstanding  debt of $465 thousand.  In
addition,  the income received on the Corporation's common securities investment
is included in other  income.  The adoption of FIN 46(R) did not have a material
impact on the  Corporation's  financial  position or results of operations.  The
Federal Reserve has issued proposed guidance on the regulatory capital treatment
for the trust-preferred  securities issued by the Corporation as a result of the
adoption  of FIN 46(R).  The  proposed  rule would  retain the  current  maximum
percentage of total capital permitted for trust preferred securities at 25%, but
would enact other changes to the rules governing trust preferred securities that
affect their use as part of the collection of entities known as "restricted core
capital  elements."  The rule would  take  effect  March 31,  2007;  however,  a
three-year  transition  period  starting  now and  leading up to that date would
allow bank holding companies to continue to count trust preferred  securities as
Tier 1 Capital after applying FIN 46(R).  On March 1, 2005, the Federal  Reserve
Bank  released  its final  rule on trust  preferred  securities.  The final rule
retains the bifurcated  system of limits on trust preferred  securities:  15% of
core capital  elements limit for  "internationally  active  banks";  25% of core
capital elements for non-internationally active banks. The final ruling does not
have an impact upon the Company.

                                       7
<PAGE>
                FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued

                                   (UNAUDITED)

5.   STOCK-BASED COMPENSATION

     At  March  31,  2005,  the  Corporation   had  one   stock-based   employee
compensation plan. The Corporation  accounts for that plan under the recognition
and measurement principles of APB 25, "Accounting for Stock Issued to Employees"
and  related  interpretations.  No  stock-based  employee  compensation  cost is
reflected in net income,  as all options  granted under the plan had an exercise
price equal to the market  value of the  underlying  common stock on the date of
grant.

     The  following  table  provides the  disclosures  required by SFAS No. 148,
"Accounting   for  Stock-Based   Compensation-Transition   and  Disclosure"  and
illustrates  the effect on net income and earnings per share if the  Corporation
had applied the fair value recognition  provisions of SFAS No. 123,  "Accounting
for Stock-Based Compensation" to stock-based employee compensation.
<TABLE>
<CAPTION>

                                                                                          Three Months Ended
                                                                                               March 31,
                                                                                      --------------------------
                                                                                       2005               2004
                                                                                       ----               ----
        <S>                                                                          <C>               <C>

         Net income (in thousands)      As reported                                   $ 1,018            $ 1,501
         Stock-based compensation costs determined
           under fair value method for all awards                                          --*                17
                                                                                       ------             ------
                                            Pro forma net income                      $ 1,018            $ 1,484

         Earnings per share (Basic)      As reported                                  $  0.20            $  0.30
                                            Pro forma                                 $  0.20            $  0.30
         Earnings per share (Diluted)   As reported                                   $  0.19            $  0.29
                                            Pro forma                                 $  0.19            $  0.29
<FN>

 * As of March 31, 2005, there was no remaining unamortized compensation expense
</FN>
</TABLE>

     On March 31, 2004, the Financial Accounting Standards Board (FASB) issued a
proposed Statement,  SFAS No 123(R)  "Share-Based  Payment, an Amendment of FASB
Statements  No.  123  and  APB  No.  25,"  that  addresses  the  accounting  for
share-based  payment  transactions  in which  an  enterprise  receives  employee
services  in  exchange  for (a)  equity  instruments  of the  enterprise  or (b)
liabilities  that  are  based  on the  fair  value  of the  enterprise's  equity
instruments  or that may be settled by the issuance of such equity  instruments.
Under the FASB's  proposal,  all forms of  share-based  payments  to  employees,
including  employee stock  options,  would be treated the same as other forms of
compensation  by  recognizing  the  related  cost in the income  statement.  The
expense of the award  would  generally  be  measured  at fair value at the grant
date.  Current  accounting  guidance  requires  that  the  expense  relating  to
so-called  fixed plan employee  stock options only be disclosed in the footnotes
to the financial  statements.  The proposed Statement,  which would be effective
for fiscal years beginning after December 15, 2004,  would eliminate the ability
to account for share-based  compensation  transactions using APB Opinion No. 25.
On October 13, 2004, FASB voted to delay the adoption of this proposed  standard
by public  companies  until their first fiscal quarter  beginning after June 15,
2004.  On March 29, 2005 the  Securities  and Exchange  Commission  (SEC) issued
Staff  Accounting  Bulletin No. 107  "Share-Based  Payment" to provide  guidance
regarding the  application of FASB Statement  No.123(R) and was issued to assist
preparers by simplifying  some of the  implementation  challenges of SFAS 123(R)
and to enhance the information that investors  receive.  Additionally,  on April
14, 2005, the SEC approved the delay of the effective date of SFAS 123(R). Under
the new rule SFAS 123(R) will now be effective for public  companies for annual,
rather than interim  periods that begin after June 15, 2005. The  Corporation is
currently   evaluating  this  statement  and  its  effects  on  its  results  of
operations.

                                       8
<PAGE>
               FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - Continued

                                   (UNAUDITED)

6.   EARNINGS PER SHARE AND STOCKHOLDERS' EQUITY

     Earnings  per  share  are  calculated  using the  weighted  average  shares
outstanding  during the year. On April 19, 2005, the Board of Directors declared
a 10% stock dividend to stockholders  of record on May 2, 2005,  payable May 19,
2005. Par value remained at $1.00 per share. The stock dividend  resulted in the
issuance  of  480,000  additional  shares of common  stock from  authorized  but
unissued shares. In accordance with GAAP, earnings per share, cash dividends per
share,  and weighted  average shares of common stock  outstanding  are stated to
reflect the stock dividend paid on May 19, 2005.



                                       9

<PAGE>
                FIRST CHESTER COUNTY CORPORATION AND SUBSIDIARIES


                     PART II - OTHER INFORMATION - CONTINUED


Item 6.  Exhibits

         (a) Exhibits

             Exhibits marked as "(cp)" are management  contracts or compensatory
             plans,  contracts or  arrangements in which a director or executive
             officer participates or may participate. Exhibits marked with a (+)
             were filed with the original Form 10-Q.

             3(i).  Certificate  of  Incorporation.  Copy  of the  Corporation's
             Articles of Incorporation,  as amended,  is incorporated  herein by
             reference to Exhibit 3 (i) to the Corporation's Quarterly Report On
             Form 10-Q for the quarter ended March 31, 2004.

             3(ii).  Bylaws  of  the  Corporation,   as  amended.  Copy  of  the
             Corporation's   Bylaws,  as  amended,  is  incorporated  herein  by
             reference to Exhibit  3(ii) to the  Corporation's  Annual Report on
             Form 10-K for the year ended December 31, 2000.

             10.1    2005 Restricted Stock Plan, is incorporated by reference to
                     Appendix A to the Corporation's  2005 Proxy Statement filed
                     March 17, 2005. (cp) (+)

             10.2    Letter of Employment to Deborah Pierce (cp) (+)

             10.3    Change of Control  Agreement  between  the Bank and Deborah
                     Pierce dated February 18, 2005 (cp) (+) 31.1 Rule 13a-14(a)
                     Certification of Chief Executive Officer (+)

             31.2    Rule 13a-14(a) Certification of President(+)

             31.3    Rule 13a-14(a) Certification of Assistant Treasurer (+)

             31.4    Rule 13a-14(a) Certification of Chief Executive Officer

             31.5    Rule 13a-14(a) Certification of President

             31.6    Rule  13a-14(a)  Certification  of the  Treasurer and Chief
                     Financial Officer

             32.1    Section 906  Certification  of the Chief Executive  Officer
                     (+)

             32.2    Section 906 Certification of the President (+)

             32.3    Section 906 Certification of the Assistant Treasurer (+)

             32.4    Section 906 Certification of the Chief Executive Officer

             32.5    Section 906 Certification of the President

             32.6    Section  906  Certification  of  the  Treasurer  and  Chief
                     Financial Officer

                                       10
<PAGE>


                                   SIGNATURES


     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.



                                           FIRST CHESTER COUNTY CORPORATION




                                           /s/ John A. Featherman
                                           -------------------------------------
August 19, 2005                            John A. Featherman
                                           Chief Executive Officer




August 19, 2005                            /s/ John Balzarini
                                           -------------------------------------
                                           John Balzarini
                                           Treasurer and Chief Financial Officer


                                       11
<PAGE>
                                INDEX TO EXHIBITS

     The  following is a list of the exhibits  filed with,  or  incorporated  by
reference  into,  this Report (those  exhibits marked with an asterisk are filed
herewith and those marked "(cp)" are management contracts or compensatory plans,
contracts or arrangements in which a director or executive officer  participates
or may participate; Exhibits marked with a (+) were filed with the original Form
10-Q):

     3(i).  Certificate of Incorporation.  Copy of the Corporation's Articles of
Incorporation,  as amended, is incorporated herein by reference to Exhibit 3 (i)
to the  Corporation's  Quarterly Report On Form 10-Q for the quarter ended March
31, 2004.

     3(ii).  Bylaws of the Corporation,  as amended.  Copy of the  Corporation's
Bylaws, as amended,  is incorporated herein by reference to Exhibit 3(ii) to the
Corporation's Annual Report on Form 10-K for the year ended December 31, 2000.

     10.1    2005  Restricted  Stock  Plan,  is  incorporated  by  reference  to
             Appendix A to the  Corporation's  2005 Proxy  Statement filed March
             17, 2005. (cp) (+)

     10.2    Letter of Employment to Deborah Pierce (cp) (+)

     10.3    Change of Control  Agreement  between the Bank and  Deborah  Pierce
             dated February 18, 2005 (cp) (+)

     31.1    Rule 13a-14(a) Certification of Chief Executive Officer (+)

     31.2    Rule 13a-14(a) Certification of President (+)

     31.3    Rule 13a-14(a) Certification of Assistant Treasurer (+)

     31.4    Rule 13a-14(a) Certification of Chief Executive Officer

     31.5    Rule 13a-14(a) Certification of President

     31.6    Rule  13a-14(a)  Certification  of  Treasurer  and Chief  Financial
             Officer

     32.1    Section 906 Certification of the Chief Executive Officer (+)

     32.2    Section 906 Certification of the President (+)

     32.3    Section 906 Certification of the Assistant Treasurer (+)

     32.4    Section 906 Certification of the Chief Executive Officer

     32.5    Section 906 Certification of the President

     32.6    Section 906  Certification  of the  Treasurer  and Chief  Financial
             Officer

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