Oneida Financial Corp.

Thomas H. Dixon has been Senior Vice President-Credit Administration since November 1996. Mr. Dixon has been associated with the Bank since January 1996. Prior to that time, Mr. Dixon was affiliated with Oneida Valley National Bank in various capacities since 1982.

Richard B. Myers is the Retired President of Orthodontic Associates of C.N.Y., P.C. a clinical orthodontic practice located in Oneida, New York and Norwich, New York.

Edward J. Clarke is the President of Kennedy & Clarke, Inc., a property and casualty insurance agency located in Cazenovia, New York.

Frank O. White, Jr. is the Assistant Director of Athletics at Colgate University. Until January 1998, Mr. White was the President and Chief Executive Officer of Mid-State Raceway, Inc. located in Vernon, New York.

Gerald N. Volk is the President of Prima International Trading, a mining and construction equipment trading company located in Syracuse, New York. Mr. Volk was previously a director of SBC Financial Corporation.

Dr. John A. Wight, M.D. is the founder and managing director of Tri-Valley Family Practice located in Vernon, New York. Wight is a graduate of SUNY Geneseo in Geneseo, NY and SUNY Upstate College of Medicine in Syracuse, NY. Prior to establishing a medical practice in Central New York in 1988 that currently includes nine (9) practicing physicians, Dr. Wight performed family practice residency work at St. Margaret Memorial Hospital in Pittsburgh, PA followed by joining a private medical practice in Canastota, NY. He is a member of the American Academy of Family Physicians, Central New York Independent Physicians Association and a board member of VVS Dollars for Scholars. Wight also serves as Chief of Medical Staff at the Oneida Healthcare Center in Oneida, NY. Dr. Wight resides with his family in Vernon, NY.

John E. Haskell is the President of Bailey & Haskell Associates, Inc., an insurance agency located in Oneida, New York.

Patricia D. Caprio is the Director of Development Programs at Colgate University.

Dr. Ralph L. Stevens, M.D. is the founder and medical director of Oneida Medical Imaging Center located in Oneida, New York. Stevens is a graduate of Yale College in New Haven, CT and SUNY Upstate College of Medicine in Syracuse, NY. Prior to developing a technologically advanced radiology and imaging center in 1997, Dr. Stevens was employed for nearly 10 years by the Oneida City Hospital in the radiology unit. He has been an active member of the Madison County Medical Society, Oneida Rotary Club, Yale Club of Central New York and other civic and philanthropic organizations. In addition to his private medical practice, Dr. Stevens is a Clinical Professor of Radiology at SUNY Upstate Medical University. Dr. Stevens resides in Cazenovia, NY with his family.