FEDERAL RESERVE BANK of NEW YORK

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& Education

Monday August 7, 2000

NEW YORK--The Federal Reserve Bank of New York Monday approved the notice by M&T Bank Corporation and Olympia Financial Corporation, both of Buffalo, NY, to acquire Keystone Financial Inc., Harrisburg, Pennsylvania, and its bank subsidiary, Keystone Financial Bank, N.A., Harrisburg, Pennsylvania, which will merge with and into Manufacturers and Traders Trust Company, Buffalo, NY.

According to standard procedure, the proposal cannot be completed for 15 days.

The Reserve Bank acted under authority delegated by the Board of Governors of the Federal Reserve System.

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