J. Curtis Joyner

Merrill Lynch-Mutual Funds:

ML Disciplined EQ CL A — Int/Div

ML Global Allocation A — Int/Div

ML Intl Value FDCL A — Int/Div

ML LARGE CAP CORE — Int/Div

Merrill Lynch-Money Account:

ML Bank USA RASP — Int/Div

Citizens - IRA — Interest

Vanguard - Mutual Funds:

U.S. Growth Fund Inv. IRA — Int/Div

Downingtown National Bank

Common Stock — Int/Div

RSTK DNB FINL CORP COM STK

Willow Grove Bancorp, Inc

Common Stock — Int/Div

WGBC COM STK

Spouse's income — 2006 — COUNCIL OF SOCIAL WORK EDUCATION