SC 13D/A 1 yard131.txt INITIAL STATMENT OF BENEFI. OWNERSHIP/A SECURlTIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities and Exchange Act of 1934 (Amendment No. 1 )* Yardville National Bancorp ------------------------------------------------------------------------------- Common Stock, no par value ------------------------------------------------------------------------------- 985021104 ----------------------------------------------------------------------------- (CUSIP Number) Lawrence B. Seidman, 100 Misty Lane, Parsippany, NJ 07054, (973) 560-1400, Ext.108 ------------------------------------------------------------------------------- (Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications) February 18, 2005 ---------------------------------------------------------------------------- (Date of Event which Requires Filing of this Statement) If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of Sections 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box. [ ] *The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page. The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes). SCHEDULE 13D CUSIP NO. 985021104 NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON 1 Seidman and Associates, L.L.C. 22-3343079 -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) /X/ (b) / / -------------------------------------------------------------------------------- 3 SEC USE ONLY -------------------------------------------------------------------------------- 4 SOURCE OF FUNDS WC -------------------------------------------------------------------------------- 5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) / / -------------------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION New Jersey -------------------------------------------------------------------------------- 7 SOLE VOTING POWER 219,801 NUMBER OF ------------------------------------------------------------------- SHARES BENFICIALLY 8 SHARED VOTING POWER -------------------------------------------------------------- OWNED BY 9 SOLE DISPOSITIVE POWER 219,801 PERSON ----------------------------------------------------------------------- WITH 10 SHARED DISPOSITIVE POWER -------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 219,801 -------------------------------------------------------------------------------- 12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* / / -------------------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 2.091 -------------------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON* OO -------------------------------------------------------------------------------- *SEE INSTRUCTIONS BEFORE FILLING OUT! INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7 (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATION SCHEDULE 13D CUSIP NO. 985021104 NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON 1 Seidman Investment Partnership, L.P. 22-3360395 -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) /X/ (b) / / -------------------------------------------------------------------------------- 3 SEC USE ONLY -------------------------------------------------------------------------------- 4 SOURCE OF FUNDS WC -------------------------------------------------------------------------------- 5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) / / -------------------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION New Jersey -------------------------------------------------------------------------------- 7 SOLE VOTING POWER NUMBER OF 166,168 -------------------------------------------------------------- SHARES BENFICIALLY 8 SHARED VOTING POWER -------------------------------------------------------------- OWNED BY 9 SOLE DISPOSITIVE POWER 166,168 PERSON ----------------------------------------------------------------------- WITH 10 SHARED DISPOSITIVE POWER -------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 166,168 -------------------------------------------------------------------------------- 12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* / / -------------------------------------------------------------------------------- 13. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (111) 1.580 -------------------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON* PN -------------------------------------------------------------------------------- *SEE INSTRUCTIONS BEFORE FILLING OUT! INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7 (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATIONSCHEDULE 13D SCHEDULE 13D CUSIP NO. 985021104 NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON 1 Seidman Investment Partnership II, L.P. 22-3603662 -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) /X/ (b) / / -------------------------------------------------------------------------------- 3 SEC USE ONLY -------------------------------------------------------------------------------- 4 SOURCE OF FUNDS WC -------------------------------------------------------------------------------- 5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) / / -------------------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION New Jersey -------------------------------------------------------------------------------- 7 SOLE VOTING POWER NUMBER OF 93,525 -------------------------------------------------------------- SHARES BENFICIALLY 8 SHARED VOTING POWER -------------------------------------------------------------- OWNED BY 9 SOLE DISPOSITIVE POWER 93,525 PERSON ----------------------------------------------------------------------- WITH 10 SHARED DISPOSITIVE POWER -------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 93,525 -------------------------------------------------------------------------------- 12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* / / -------------------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) .889 -------------------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON* PN -------------------------------------------------------------------------------- *SEE INSTRUCTIONS BEFORE FILLING OUT! INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7 (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATIONSCHEDULE 13D SCHEDULE 13D CUSIP NO. 985021104 NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON 1 Kerrimatt, L.P. 22-3583179 -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) /X/ (b) / / -------------------------------------------------------------------------------- 3 SEC USE ONLY -------------------------------------------------------------------------------- 4 SOURCE OF FUNDS WC -------------------------------------------------------------------------------- 5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) / / -------------------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION New Jersey -------------------------------------------------------------------------------- 7 SOLE VOTING POWER NUMBER OF 44,897 -------------------------------------------------------------- SHARES BENFICIALLY 8 SHARED VOTING POWER -------------------------------------------------------------- OWNED BY 9 SOLE DISPOSITIVE POWER 44,897 PERSON ----------------------------------------------------------------------- WITH 10 SHARED DISPOSITIVE POWER -------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 44,897 -------------------------------------------------------------------------------- 12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* / / -------------------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) .427 -------------------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON* PN -------------------------------------------------------------------------------- *SEE INSTRUCTIONS BEFORE FILLING OUT! INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7 (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATIONSCHEDULE 13D SCHEDULE 13D CUSIP NO. 985021104 NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON 1 Federal Holdings, L.L.C. 13-3838083 -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) /X/ (b) / / -------------------------------------------------------------------------------- 3 SEC USE ONLY -------------------------------------------------------------------------------- 4 SOURCE OF FUNDS OO -------------------------------------------------------------------------------- 5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) / / -------------------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION New Jersey -------------------------------------------------------------------------------- 7 SOLE VOTING POWER NUMBER OF 71,486 -------------------------------------------------------------- SHARES BENFICIALLY 8 SHARED VOTING POWER -------------------------------------------------------------- OWNED BY 9 SOLE DISPOSITIVE POWER 71,486 PERSON ----------------------------------------------------------------------- WITH 10 SHARED DISPOSITIVE POWER -------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 71,486 -------------------------------------------------------------------------------- 12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* / / -------------------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) .680 -------------------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON* OO -------------------------------------------------------------------------------- *SEE INSTRUCTIONS BEFORE FILLING OUT! INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7 (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATIONSCHEDULE 13D SCHEDULE 13D CUSIP NO. 985021104 NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON 1 Broad Park Investors, L.L.C. #22-6759307 ------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) /X/ (b) / / -------------------------------------------------------------------------------- 3 SEC USE ONLY -------------------------------------------------------------------------------- 4 SOURCE OF FUNDS OO -------------------------------------------------------------------------------- 5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) / / -------------------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION New Jersey -------------------------------------------------------------------------------- 7 SOLE VOTING POWER NUMBER OF 3,213 -------------------------------------------------------------- SHARES BENFICIALLY 8 SHARED VOTING POWER -------------------------------------------------------------- OWNED BY 9 SOLE DISPOSITIVE POWER 3,213 PERSON ----------------------------------------------------------------------- WITH 10 SHARED DISPOSITIVE POWER -------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 3,213 -------------------------------------------------------------------------------- 12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* / / -------------------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) .030 -------------------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON* OO -------------------------------------------------------------------------------- *SEE INSTRUCTIONS BEFORE FILLING OUT! INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7 (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATIONSCHEDULE 13D SCHEDULE 13D CUSIP NO. 985021104 NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON 1 Lawrence B. Seidman ###-##-#### -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) /X/ (b) / / -------------------------------------------------------------------------------- 3 SEC USE ONLY -------------------------------------------------------------------------------- 4 SOURCE OF FUNDS PF, WC -------------------------------------------------------------------------------- 5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) / / -------------------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION U.S.A. -------------------------------------------------------------------------------- 7 SOLE VOTING POWER NUMBER OF 633,590 -------------------------------------------------------------- SHARES BENFICIALLY 8 SHARED VOTING POWER 97,068 -------------------------------------------------------------- OWNED BY 9 SOLE DISPOSITIVE POWER 633,590 PERSON ----------------------------------------------------------------------- WITH 10 SHARED DISPOSITIVE POWER 97,068 -------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 730,658 -------------------------------------------------------------------------------- 12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* / / -------------------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 6.951 -------------------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON* IN -------------------------------------------------------------------------------- *SEE INSTRUCTIONS BEFORE FILLING OUT! INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7 (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATIONSCHEDULE 13D SCHEDULE 13D CUSIP NO. 985021104 NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON 1 Dennis Pollack ###-##-#### -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) /X/ (b) / / -------------------------------------------------------------------------------- 3 SEC USE ONLY -------------------------------------------------------------------------------- 4 SOURCE OF FUNDS PF, WC -------------------------------------------------------------------------------- 5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) / / -------------------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION U.S.A. -------------------------------------------------------------------------------- 7 SOLE VOTING POWER NUMBER OF 15,000 -------------------------------------------------------------- SHARES BENFICIALLY 8 SHARED VOTING POWER 97,068 -------------------------------------------------------------- OWNED BY 9 SOLE DISPOSITIVE POWER 15,000 PERSON ----------------------------------------------------------------------- WITH 10 SHARED DISPOSITIVE POWER 97,068 -------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 112,068 -------------------------------------------------------------------------------- 12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* / / -------------------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) 1.066 -------------------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON* IN -------------------------------------------------------------------------------- *SEE INSTRUCTIONS BEFORE FILLING OUT! INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7 (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATIONSCHEDULE 13D SCHEDULE 13D CUSIP NO. 985021104 NAME OF REPORTING PERSON S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON 1 Pollack Investment Partnership, L.P. 22-3736367 -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) /X/ (b) / / -------------------------------------------------------------------------------- 3 SEC USE ONLY -------------------------------------------------------------------------------- 4 SOURCE OF FUNDS WC -------------------------------------------------------------------------------- 5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) or 2(e) / / -------------------------------------------------------------------------------- 6 CITIZENSHIP OR PLACE OF ORGANIZATION New Jersey -------------------------------------------------------------------------------- 7 SOLE VOTING POWER NUMBER OF 97,068 -------------------------------------------------------------- SHARES BENFICIALLY 8 SHARED VOTING POWER -------------------------------------------------------------- OWNED BY 9 SOLE DISPOSITIVE POWER 97,068 PERSON ----------------------------------------------------------------------- WITH 10 SHARED DISPOSITIVE POWER -------------------------------------------------------------- 11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 97,068 -------------------------------------------------------------------------------- 12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* / / -------------------------------------------------------------------------------- 13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11) .923 -------------------------------------------------------------------------------- 14 TYPE OF REPORTING PERSON* PN -------------------------------------------------------------------------------- *SEE INSTRUCTIONS BEFORE FILLING OUT! INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7 (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATIONSCHEDULE 13D This statement on Schedule 13 D which was filed on July 29, 2004 on behalf of Seidman and Associates L.L.C. ("SAL"), Seidman Investment Partnership,L.P., Seidman Investment PartnershipII,L.P.,("SIPII"), Kerrimatt, L.P. ("Kerrimatt"), Broad Park Investors, L.L.C.("Broad Park"),Federal Holdings, L.L.C.("Federal"), Pollack Investment Partnership,L.P.("PIP"), Lawrence Seidman ("Seidman"), and Dennis Pollack("Pollack") collectively, the "Reporting Persons") with respect to the Reporting Persons' beneficial ownership of shares of Ccmmon stock (the "Shares") of Yardville National Bankcorp., a New Jersey corporation, is hereby amended as set forth below: Such statement on Schedule 13D is hereinafter referred to as the "Schedule 13D".Terms used herein which are defined in the Schedule 13D shall have their respective meanings set forth in the Schedule 13D. 4. Purpose of Transaction Attached hereto as an Exhibit and included herein in its entirety is a copy of the Consulting Agreement, dated February 18, 2005, entered into by and between Yardville National Bancorp and Lawrence B.Seidman. 5. Interest in Securities of the Issuer (a)(b)(c) As of the close of business on February 17, 2005, the Reporting Persons owned beneficially an aggregate of 745,658 shares of Common Stock, which constituted approximately 7.09% of the 10,511,000 shares of Common Stock outstanding as of December 31,2004, as disclosed in the Issuer's February 3, 2004 earnings press release. Schedule A attached below describes transactions except for previously reported transactions in the Common Stock effected by the Reporting Persons within the past sixty (60) days. Except as set forth in this Item 5, none of the Reporting Persons owns beneficially or has a right to acquire beneficial ownership of any Common Stock, and except as set forth in this Item 5, none of the Reporting Persons has effected transactions in the Common Stock during the past sixty (60) days, except for previously reported transactions. ENTITY DATE COST COST SHARES PURCHASED PER SHARE ------------------------------------------------------------------------------- 011-S&A 9/14/2004 28.8000 208,800.00 7,250 011-S&A 9/15/2004 28.7938 83,502.02 2,900 011-S&A 10/1/2004 29.5500 88,650.00 3,000 011-S&A 10/1/2004 29.5500 177,300.00 6,000 011-S&A 10/1/2004 29.5500 29,550.00 1,000 011-S&A 1/4/2005 33.4396 138,506.82 4,142 011-S&A 1/5/2005 33.0083 75,258.92 2,280 011-S&A 1/7/2005 33.0500 43,956.50 1,330 011-S&A 1/10/2005 32.8662 56,201.20 1,710 011-S&A 1/12/2005 32.7473 62,219.87 1,900 011-S&A 1/13/2005 32.5883 74,301.32 2,280 011-S&A 1/14/2005 32.5430 97,629.10 3,000 011-S&A 1/20/2005 32.0215 60,840.85 1,900 011-S&A 1/20/2005 31.9021 60,614.00 1,900 Total 1,257,330.60 40,592 012-SIP 9/14/2004 28.8000 172,800.00 6,000 012-SIP 9/15/2004 28.7938 69,105.12 2,400 012-SIP 1/4/2005 33.4396 76,543.24 2,289 012-SIP 1/5/2005 33.0083 41,590.46 1,260 012-SIP 1/7/2005 33.0500 24,291.75 735 012-SIP 1/10/2005 32.8662 31,058.56 945 012-SIP 1/12/2005 32.7473 34,384.67 1,050 012-SIP 1/13/2005 32.5883 41,061.26 1,260 012-SIP 1/19/2005 32.4564 134,953.55 4,158 012-SIP 1/20/2005 32.0215 33,622.58 1,050 012-SIP 1/20/2005 31.9038 33,499.00 1,050 Total 692,910.19 22,197 013-SIP II 9/14/2004 28.8000 93,600.00 3,250 013-SIP II 9/15/2004 28.7938 37,431.94 1,300 013-SIP II 1/4/2005 33.4396 47,383.91 1,417 013-SIP II 1/5/2005 33.0083 25,746.47 780 013-SIP II 1/7/2005 33.0500 15,037.75 455 013-SIP II 1/10/2005 32.8662 19,226.73 585 013-SIP II 1/12/2005 32.7473 21,285.75 650 013-SIP II 1/13/2005 32.5883 25,418.87 780 013-SIP II 1/20/2005 32.0215 20,813.98 650 013-SIP II 1/20/2005 31.9062 20,739.00 650 013-SIP II 1/21/2005 32.2526 80,631.50 2,500 Total 407,315.90 13,017 014-Pollack Invest Pt 9/14/2004 28.8000 93,600.00 3,250 014-Pollack Invest Pt 9/15/2004 28.7938 37,431.94 1,300 014-Pollack Invest Pt 1/4/2005 33.4396 43,739.00 1,308 014-Pollack Invest Pt 1/5/2005 33.0083 23,765.98 720 014-Pollack Invest Pt 1/7/2005 33.0500 13,881.00 420 014-Pollack Invest Pt 1/10/2005 32.8662 17,747.75 540 014-Pollack Invest Pt 1/12/2005 32.7473 19,648.38 600 014-Pollack Invest Pt 1/13/2005 32.5883 23,463.58 720 014-Pollack Invest Pt 1/20/2005 32.0215 19,212.90 600 014-Pollack Invest Pt 1/20/2005 31.9067 19,144.00 600 Total 311,634.53 10,058 021-Federal Holdings 9/14/2004 28.8000 72,000.00 2,500 021-Federal Holdings 9/15/2004 28.7938 28,793.80 1,000 021-Federal Holdings 1/4/2005 33.4396 32,804.25 981 021-Federal Holdings 1/5/2005 33.0083 17,824.48 540 021-Federal Holdings 1/7/2005 33.0500 10,410.75 315 021-Federal Holdings 1/10/2005 32.8662 13,310.81 405 021-Federal Holdings 1/12/2005 32.7473 14,736.29 450 021-Federal Holdings 1/13/2005 32.5883 17,597.68 540 021-Federal Holdings 1/20/2005 32.0215 14,409.68 450 021-Federal Holdings 1/20/2005 31.9089 14,359.00 450 Total 236,246.74 7,631 022-Kerri-Matt 9/14/2004 28.8000 79,200.00 2,750 022-Kerri-Matt 9/15/2004 28.7938 31,673.18 1,100 Total 110,873.18 3,850 023-Broad Park Invest 1/4/2005 33.4396 25,514.41 763 023-Broad Park Invest 1/5/2005 33.0083 13,863.49 420 023-Broad Park Invest 1/7/2005 33.0500 8,097.25 245 023-Broad Park Invest 1/10/2005 32.8662 10,352.85 315 023-Broad Park Invest 1/12/2005 32.7473 11,461.56 350 023-Broad Park Invest 1/13/2005 32.5883 13,687.09 420 023-Broad Park Invest 1/20/2005 32.0215 11,207.53 350 023-Broad Park Invest 1/20/2005 31.9114 11,169.00 350 Total 105,353.18 3,213 185-Seidman & clients 8/3/2004 28.6703 4,300.55 150 Total 4,300.55 150 202-Pollack Dennis IRA 1/28/2005 31.5820 15,791.00 500 202-Pollack Dennis IRA 1/28/2005 31.5600 15,780.00 500 202-Pollack Dennis IRA 1/28/2005 31.6900 15,845.00 500 202-Pollack Dennis IRA 1/28/2005 31.6600 15,830.00 500 Total 63,246.00 2,000 Total Total 3,189,210.87 102,708 After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. 2/18/05 /ss/Lawrence B. Seidman ------ ------------------------------ Date Lawrence B. Seidman, Power of Attorney pursuant to Joint Agreement dated July 26, 2004