FUBC (MM)

CUSIP No. 33740N105 13G Page 2 of 16 Pages

------------------------------------------------------------------------------
 (1) NAME OF REPORTING PERSON
 S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
 Endicott Opportunity Partners, L.P.
------------------------------------------------------------------------------
 (2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 (a) [x]
 (b) [ ]
------------------------------------------------------------------------------
 (3) SEC USE ONLY

------------------------------------------------------------------------------
 (4) CITIZENSHIP OR PLACE OF ORGANIZATION
 Delaware
------------------------------------------------------------------------------

NUMBER OF (5) SOLE VOTING POWER
 208,000
SHARES ---------------------------------------------------------------

BENEFICIALLY (6) SHARED VOTING POWER
 0
OWNED BY ---------------------------------------------------------------

EACH (7) SOLE DISPOSITIVE POWER
 208,000
REPORTING ---------------------------------------------------------------

PERSON WITH (8) SHARED DISPOSITIVE POWER
 0
------------------------------------------------------------------------------
 (9) AGGREGATE AMOUNT BENEFICIALLY OWNED
 BY EACH REPORTING PERSON
 208,000
------------------------------------------------------------------------------
 (10) CHECK BOX IF THE AGGREGATE AMOUNT
 IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
------------------------------------------------------------------------------
 (11) PERCENT OF CLASS REPRESENTED
 BY AMOUNT IN ROW (9)
 .84%
------------------------------------------------------------------------------
 (12) TYPE OF REPORTING PERSON
 PN
------------------------------------------------------------------------------

CUSIP No. 33740N105 13G Page 3 of 16 Pages

------------------------------------------------------------------------------
 (1) NAME OF REPORTING PERSON
 S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
 Endicott Opportunity Partners II, L.P.
------------------------------------------------------------------------------
 (2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 (a) [x]
 (b) [ ]
------------------------------------------------------------------------------
 (3) SEC USE ONLY

------------------------------------------------------------------------------
 (4) CITIZENSHIP OR PLACE OF ORGANIZATION
 Delaware
------------------------------------------------------------------------------

NUMBER OF (5) SOLE VOTING POWER
 1,718,518
SHARES ---------------------------------------------------------------

BENEFICIALLY (6) SHARED VOTING POWER
 0
OWNED BY ---------------------------------------------------------------

EACH (7) SOLE DISPOSITIVE POWER
 1,718,518
REPORTING ---------------------------------------------------------------

PERSON WITH (8) SHARED DISPOSITIVE POWER
 0
------------------------------------------------------------------------------
 (9) AGGREGATE AMOUNT BENEFICIALLY OWNED
 BY EACH REPORTING PERSON
 1,718,518
------------------------------------------------------------------------------
 (10) CHECK BOX IF THE AGGREGATE AMOUNT
 IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
------------------------------------------------------------------------------
 (11) PERCENT OF CLASS REPRESENTED
 BY AMOUNT IN ROW (9)
 6.9%
------------------------------------------------------------------------------
 (12) TYPE OF REPORTING PERSON
 PN
------------------------------------------------------------------------------

CUSIP No. 33740N105 13G Page 4 of 16 Pages

------------------------------------------------------------------------------
 (1) NAME OF REPORTING PERSON
 S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
 Endicott Partners II, L.P.
------------------------------------------------------------------------------
 (2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 (a) [x]
 (b) [ ]
------------------------------------------------------------------------------
 (3) SEC USE ONLY

------------------------------------------------------------------------------
 (4) CITIZENSHIP OR PLACE OF ORGANIZATION
 Delaware
------------------------------------------------------------------------------

NUMBER OF (5) SOLE VOTING POWER
 99,000
SHARES ---------------------------------------------------------------

BENEFICIALLY (6) SHARED VOTING POWER
 0
OWNED BY ---------------------------------------------------------------

EACH (7) SOLE DISPOSITIVE POWER
 99,000
REPORTING ---------------------------------------------------------------

PERSON WITH (8) SHARED DISPOSITIVE POWER
 0
------------------------------------------------------------------------------
 (9) AGGREGATE AMOUNT BENEFICIALLY OWNED
 BY EACH REPORTING PERSON
 99,000
------------------------------------------------------------------------------
 (10) CHECK BOX IF THE AGGREGATE AMOUNT
 IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
------------------------------------------------------------------------------
 (11) PERCENT OF CLASS REPRESENTED
 BY AMOUNT IN ROW (9)
 .4%
------------------------------------------------------------------------------
 (12) TYPE OF REPORTING PERSON
 PN
------------------------------------------------------------------------------

CUSIP No. 33740N105 13G Page 5 of 16 Pages

------------------------------------------------------------------------------
 (1) NAME OF REPORTING PERSON
 S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
 W.R.D. Endicott, L.L.C.
------------------------------------------------------------------------------
 (2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 (a) [x]
 (b) [ ]
------------------------------------------------------------------------------
 (3) SEC USE ONLY

------------------------------------------------------------------------------
 (4) CITIZENSHIP OR PLACE OF ORGANIZATION
 Delaware
------------------------------------------------------------------------------

NUMBER OF (5) SOLE VOTING POWER
 208,000
SHARES ---------------------------------------------------------------

BENEFICIALLY (6) SHARED VOTING POWER
 0
OWNED BY ---------------------------------------------------------------

EACH (7) SOLE DISPOSITIVE POWER
 208,000
REPORTING ---------------------------------------------------------------

PERSON WITH (8) SHARED DISPOSITIVE POWER
 0
------------------------------------------------------------------------------
 (9) AGGREGATE AMOUNT BENEFICIALLY OWNED
 BY EACH REPORTING PERSON
 208,000
------------------------------------------------------------------------------
 (10) CHECK BOX IF THE AGGREGATE AMOUNT
 IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
------------------------------------------------------------------------------
 (11) PERCENT OF CLASS REPRESENTED
 BY AMOUNT IN ROW (9)
 .84%
------------------------------------------------------------------------------
 (12) TYPE OF REPORTING PERSON
 OO
------------------------------------------------------------------------------

CUSIP No. 33740N105 13G Page 6 of 16 Pages

------------------------------------------------------------------------------
 (1) NAME OF REPORTING PERSON
 S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
 W.R. Endicott IIp, L.L.C.
------------------------------------------------------------------------------
 (2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 (a) [x]
 (b) [ ]
------------------------------------------------------------------------------
 (3) SEC USE ONLY

------------------------------------------------------------------------------
 (4) CITIZENSHIP OR PLACE OF ORGANIZATION
 Delaware
------------------------------------------------------------------------------

NUMBER OF (5) SOLE VOTING POWER
 1,718,518
SHARES ---------------------------------------------------------------

BENEFICIALLY (6) SHARED VOTING POWER
 0
OWNED BY ---------------------------------------------------------------

EACH (7) SOLE DISPOSITIVE POWER
 1,718,518
REPORTING ---------------------------------------------------------------

PERSON WITH (8) SHARED DISPOSITIVE POWER
 0
------------------------------------------------------------------------------
 (9) AGGREGATE AMOUNT BENEFICIALLY OWNED
 BY EACH REPORTING PERSON
 1,718,518
------------------------------------------------------------------------------
 (10) CHECK BOX IF THE AGGREGATE AMOUNT
 IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
------------------------------------------------------------------------------
 (11) PERCENT OF CLASS REPRESENTED
 BY AMOUNT IN ROW (9)
 6.9%
------------------------------------------------------------------------------
 (12) TYPE OF REPORTING PERSON
 00
------------------------------------------------------------------------------

CUSIP No. 33740N105 13G Page 7 of 16 Pages

------------------------------------------------------------------------------
 (1) NAME OF REPORTING PERSON
 S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
 W.R. Endicott II, L.L.C.
------------------------------------------------------------------------------
 (2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 (a) [x]
 (b) [ ]
------------------------------------------------------------------------------
 (3) SEC USE ONLY

------------------------------------------------------------------------------
 (4) CITIZENSHIP OR PLACE OF ORGANIZATION
 Delaware
------------------------------------------------------------------------------

NUMBER OF (5) SOLE VOTING POWER
 99,000
SHARES ---------------------------------------------------------------

BENEFICIALLY (6) SHARED VOTING POWER
 0
OWNED BY ---------------------------------------------------------------

EACH (7) SOLE DISPOSITIVE POWER
 99,000
REPORTING ---------------------------------------------------------------

PERSON WITH (8) SHARED DISPOSITIVE POWER
 0
------------------------------------------------------------------------------
 (9) AGGREGATE AMOUNT BENEFICIALLY OWNED
 BY EACH REPORTING PERSON
 99,000
------------------------------------------------------------------------------
 (10) CHECK BOX IF THE AGGREGATE AMOUNT
 IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
------------------------------------------------------------------------------
 (11) PERCENT OF CLASS REPRESENTED
 BY AMOUNT IN ROW (9)
 .4%
------------------------------------------------------------------------------
 (12) TYPE OF REPORTING PERSON
 OO
------------------------------------------------------------------------------

CUSIP No. 33740N105 13G Page 8 of 16 Pages

------------------------------------------------------------------------------
 (1) NAME OF REPORTING PERSON
 S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
 Wayne K. Goldstein (in the capacity described herein)
------------------------------------------------------------------------------
 (2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 (a) [x]
 (b) [ ]
------------------------------------------------------------------------------
 (3) SEC USE ONLY

------------------------------------------------------------------------------
 (4) CITIZENSHIP OR PLACE OF ORGANIZATION
 United States
------------------------------------------------------------------------------

NUMBER OF (5) SOLE VOTING POWER
 0
SHARES ---------------------------------------------------------------

BENEFICIALLY (6) SHARED VOTING POWER
 2,025,518
OWNED BY ---------------------------------------------------------------

EACH (7) SOLE DISPOSITIVE POWER
 0
REPORTING ---------------------------------------------------------------

PERSON WITH (8) SHARED DISPOSITIVE POWER
 2,025,518
------------------------------------------------------------------------------
 (9) AGGREGATE AMOUNT BENEFICIALLY OWNED
 BY EACH REPORTING PERSON
 2,025,518
------------------------------------------------------------------------------
 (10) CHECK BOX IF THE AGGREGATE AMOUNT
 IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
------------------------------------------------------------------------------
 (11) PERCENT OF CLASS REPRESENTED
 BY AMOUNT IN ROW (9)
 8.2%
------------------------------------------------------------------------------
 (12) TYPE OF REPORTING PERSON
 IN
------------------------------------------------------------------------------

CUSIP No. 33740N105 13G Page 9 of 16 Pages

------------------------------------------------------------------------------
 (1) NAME OF REPORTING PERSON
 S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
 Robert I. Usdan (in the capacity described herein)
------------------------------------------------------------------------------
 (2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 (a) [x]
 (b) [ ]
------------------------------------------------------------------------------
 (3) SEC USE ONLY

------------------------------------------------------------------------------
 (4) CITIZENSHIP OR PLACE OF ORGANIZATION
 United States
------------------------------------------------------------------------------

NUMBER OF (5) SOLE VOTING POWER
 0
SHARES ---------------------------------------------------------------

BENEFICIALLY (6) SHARED VOTING POWER
 2,025,518
OWNED BY ---------------------------------------------------------------

EACH (7) SOLE DISPOSITIVE POWER
 0
REPORTING ---------------------------------------------------------------

PERSON WITH (8) SHARED DISPOSITIVE POWER
 2,025,518
------------------------------------------------------------------------------
 (9) AGGREGATE AMOUNT BENEFICIALLY OWNED
 BY EACH REPORTING PERSON
 2,025,518
------------------------------------------------------------------------------
 (10) CHECK BOX IF THE AGGREGATE AMOUNT
 IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
------------------------------------------------------------------------------
 (11) PERCENT OF CLASS REPRESENTED
 BY AMOUNT IN ROW (9)
 8.2%
------------------------------------------------------------------------------
 (12) TYPE OF REPORTING PERSON
 IN
------------------------------------------------------------------------------

CUSIP No. 33740N105 13G Page 10 of 16 Pages


ITEM 1(a). NAME OF ISSUER:
 1ST UNITED BANCORP, INC.

ITEM 1(b). ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:
 One North Federal Highway
 Boca Raton, FL 33432

ITEM 2(a). NAME OF PERSON FILING:

 (i) Endicott Opportunity Partners, L.P., a Delaware limited
 partnership ("EOP");

 (ii) Endicott Opportunity Partners II, L.P., a Delaware limited
 partnership ("EOP II");

 (iii) Endicott Partners II, L.P, a Delaware limited partnership.
 ("EPII")

 (iv) W.R.D. Endicott L.L.C., a Delaware limited liability
 company ("WRD LLC") and general partner of EOP;

 (v) W.R. Endicott IIp, L.L.C., a Delaware limited liability
 company ("WR LLC") and general partner of EOP II;

 (vi) W.R. Endicott II, L.L.C. Inc. a Delaware limited liability
 company ("WRII LLC") and general partner of EPII.

 (vii) Wayne K. Goldstein ("Mr. Goldstein"), a Managing Member of
 WRD LLC, WR LLC and WRII LLC; and

 (viii) Robert I. Usdan ("Mr. Usdan"), a Managing Member of WRD
 LLC, WR LLC and WRII LLC.


ITEM 2(b). ADDRESS OF PRINCIPAL OFFICE OR, IF NONE, RESIDENCE:

 The address of the principal business offices of each of: (i) EOP;
(ii) EOP II; (iii) EPII; (iv) WRD LLC; (v) WR LLC; (vi) WR II LLC (vii) Mr.
Goldstein; and (viii) Mr. Usdan WR II LLC is 360 Madison Avenue 21st Floor New
York, NY 10017.

CUSIP No. 33740N105 13G Page 11 of 16 Pages


ITEM 2(c). CITIZENSHIP:
 EOP - a Delaware limited partnership
 EOP II - a Delaware limited partnership
 EPII - a Delaware limited partnership
 WRD LLC - a Delaware limited liability company
 WR LLC - a Delaware limited liability company
 WRII LLC - a Delaware liability company
 Mr. Goldstein - United States
 Mr. Usdan - United States

ITEM 2(d). TITLE OF CLASS OF SECURITIES:
 Common Stock, $0.01 par value ("the Shares")

ITEM 2(e). CUSIP NUMBER:
 33740N105

ITEM 3. If this statement is filed pursuant to Rules 13d-1(b) or 13d-2(b)
or (c), check whether the person filing is a:

 (a) [ ] Broker or dealer registered under Section 15 of the
 Act,

 (b) [ ] Bank as defined in Section 3(a)(6) of the Act,

 (c) [ ] Insurance Company as defined in Section 3(a)(19) of
 the Act,

 (d) [ ] Investment Company registered under Section 8 of the
 Investment Company Act of 1940,

 (e) [ ] Investment Adviser in accordance with Rule
 13d-1 (b)(1)(ii)(E),

 (f) [ ] Employee Benefit Plan or Endowment Fund in accordance
 with Rule 13d-1 (b)(1)(ii)(F),

 (g) [ ] Parent Holding Company or control person in accordance
 with Rule 13d-1 (b)(1)(ii)(G),

 (h) [ ] Savings Association as defined in Section 3(b) of the
 Federal Deposit Insurance Act,

 (i) [ ] Church Plan that is excluded from the definition of an
 investment company under Section 3(c)(14) of the
 Investment Company Act of 1940,

 (j) [ ] Group, in accordance with Rule 13d-1(b)(1)(ii)(J).

 If this statement is filed pursuant to 13d-1(c), check this box: [x]

CUSIP No. 33740N105 13G Page 12 of 16 Pages


ITEM 4. OWNERSHIP.

 (a) Amount Beneficially Owned:
 -------------------------

 EOP may be deemed to beneficially own 208,000 Shares. EOP II may
be deemed to beneficially own 1,718,518 Shares. EPII may be deemed to
beneficially own 99,000 Shares. WRD LLC may be deemed to beneficially own
208,000 Shares as a result of its voting and dispositive power over the 208,000
Shares held by EOP. WR LLC may be deemed to beneficially own 1,718,518 Shares as
a result of its voting and dispositive power over the 1,718,518 Shares held by
EOP II. WRII LLC may be deemed to beneficallty own 99,000 Shares as a result of
its voting and dispositive power over the 99,000 Shares held by EPII.

 Messrs. Goldstein and Usdan may each be deemed to beneficially
own 2,025,518 Shares by virtue of their ultimate voting and dispositive power
over: (i) the 208,000 Shares help by EOP; (ii) the 1,718,518 Shares held by
EOP II and (iii) the 99,000 Shares held by EPII.

 The above amounts of Shares beneficially owned did not change
between (i) the date of the event which requires filing of this statement and
(ii) December 31, 2009, and this statement is being made to satisfy both (a) the
filing that was due with respect to that event and (b) the annual amendment
obligations with respect to such Shares.


 (b) Percentage Beneficially Owned:
 -----------------------------

 Based on calculations made in accordance with Rule 13d-3(d), and
there being 24,770,231 Shares outstanding as of October 15, 2009, as disclosed
in the Form 10-Q for the quarterly period ended September 30, 2009: (i) EOP
may be deemed to beneficially own approximately .84% of the outstanding Shares;
(ii) EOP II may be deemed to beneficially own approximately 6.9% of the
outstanding Shares; (iii) EP II may be deemed to beneficially own approximately
.4% of the outstanding Shares (iv) WRD LLC may be deemed to beneficially
 own approximately .84% of the outstanding Shares; (v) WR LLC may be
deemed to beneficially own approximately 6.9% of the outstanding Shares;
(vi) WRII LLC may be deemed to beneficially own approximately 0.4% of the
outstanding Shares; (vii) Mr. Goldstein may be deemed to beneficially own
approximately 8.2% of the outstanding Shares; and (viii) Mr. Usdan may be
deemed to beneficially own approximately 8.2% of the outstanding Shares.

 The above percentages of Shares beneficially owned did not change
between (i) the date of the event which requires filing of this statement and
(ii) December 31, 2009, and this statement is being made to satisfy both (a) the
filing that was due with respect to that event and (b) the annual amendment
obligations with respect to such Shares.

CUSIP No. 886374107 13G Page 13 of 16 Pages

 (c) Number of Shares as to Which Such Person Has:
 --------------------------------------------

 (i) EOP may be deemed to have sole power to direct the voting
and disposition of the 208,000 Shares it beneficially owns. EOP II may be deemed
to have sole power to direct the voting and disposition of the 1,718,518 Shares
it beneficially owns. EPII may be deemed to have sole power to direct the
voting and disposition of the 99,000 Shares it beneficially owns.

 WRD LLC may be deemed to have sole power to direct the voting
and disposition of the 208,000 Shares it beneficially owns by virtue of the
relationships described in Item 2. WR LLC may be deemed to have sole power to
direct the voting and disposition of the 1,718,518 Shares it beneficially owns
by virtue of the relationships described in Item 2. WRII LLC may be deemed to
have sole power to direct the voting and disposition of the 99,000 Shares it
beneficially owns by virtue of the relationship described in Item 2.

 (ii) By virtue of the relationships between and among the
Reporting Persons as described in Item 2, each of Messrs. Goldstein and Usdan,
may be deemed to share the power to direct the voting and disposition of
2,025,518 Shares.

ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.

 Not applicable.

ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON.

 The limited partners and the general partner of EOP, EOP II and EP II
have the right to participate in the receipt of dividends from, or proceeds from
the sale of, the securities held for the account of EOP, EOP II and EPII in
accordance with their ownership interests in such entities.

ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED
 THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY.

 Not applicable.

ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP.

 See Item 2.

ITEM 9. NOTICE OF DISSOLUTION OF GROUP.

 Not applicable.

ITEM 10. CERTIFICATION.

 By signing below we certify that, to the best of our knowledge and
belief, the securities referred to above were not acquired and are not held for
the purpose of or with the effect of changing or influencing the control of the
issuer of the securities and were not acquired and not held in connection with
or as a participant in any transaction having that purpose or effect.

CUSIP No. 886374107 13G Page 14 of 16 Pages


 SIGNATURES

 After reasonable inquiry and to the best of our knowledge and belief,
the undersigned certify that the information set forth in this statement is
true, complete and correct.

DATED: February 16, 2010

 ENDICOTT OPPORTUNITY PARTNERS, L.P.

 By: W.R.D. Endicott, L.L.C.,
 its general partner

 By: /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member

 ENDICOTT PARTNERS II, L.P.

 By: WR Endicott II, LLC
 its General Partner

 By: /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member

 ENDICOTT OPPORTUNITY PARTNERS II, L.P.

 By: W.R. Endicott IIp, L.L.C.,
 its general partner


 By: /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member


 W.R.D. ENDICOTT, L.L.C.

 By: /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member


 W.R. Endicott IIp, L.L.C.

 By: /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member


 W.R. Endicott II, L.L.C.

 By: /S/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member


 /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Wayne K. Goldstein


 /s/ ROBERT I. USDAN
 ----------------------
 Robert I. Usdan

CUSIP No. 886374107 13G Page 15 of 16 Pages


 EXHIBIT INDEX


Exhibit 1. Joint Filing Agreement as required by Rule 13d-1(k)(1) under the
 Securities Exchange Act of 1934, as amended.

CUSIP No. 886374107 13G Page 16 of 16 Pages

 EXHIBIT 1


 JOINT FILING AGREEMENT PURSUANT TO RULE 13d-1(k)(1)

 The undersigned acknowledge and agree that the foregoing statement on
Schedule 13G is filed on behalf of each of the undersigned and that all
subsequent amendments to this statement on Schedule 13G shall be filed on
behalf of each of the undersigned without the necessity of filing additional
joint filing statements. The undersigned acknowledge that each shall be
responsible for the timely filing of such amendments, and for the completeness
and accuracy of the information concerning him, her or it contained herein, but
shall not be responsible for the completeness and accuracy of the information
concerning the other entities or persons, except to the extent that he, she or
it knows or has reason to believe that such information is inaccurate.

Dated as of February 16, 2010

 ENDICOTT OPPORTUNITY PARTNERS, L.P.

 By: W.R.D. Endicott, L.L.C.,
 its general partner

 By: /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member

 ENDICOTT PARTNERS II, L.P.

 By: WR Endicott II, LLC
 its General Partner

 By: /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member

 ENDICOTT OPPORTUNITY PARTNERS II, L.P.

 By: W.R. Endicott IIp, L.L.C.,
 its general partner


 By: /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member


 W.R.D. ENDICOTT, L.L.C.

 By: /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member


 W.R. Endicott IIp, L.L.C.

 By: /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member


 W.R. Endicott II, L.L.C.

 By: /S/ WAYNE K. GOLDSTEIN
 ----------------------
 Name: Wayne K. Goldstein
 Title: Managing Member


 /s/ WAYNE K. GOLDSTEIN
 ----------------------
 Wayne K. Goldstein


 /s/ ROBERT I. USDAN
 ----------------------
 Robert I. Usdan