First Keystone Financial, Inc. is the holding company of First Keystone Bank, a federally chartered stock savings bank (the Bank). The Bank’s primary business is attracting deposits from the general public and using those funds together with other available sources of funds, primarily borrowings, to originate loans. The Bank’s primary market area is Delaware and Chester counties. The Bank maintains seven branch offices in Delaware County with deposits totaling $326.2 million at June 30, 2008, and one branch office in Chester County with deposits totaling $20.1 million at June 30, 2008. First Keystone Financial, Inc.’s subsidiaries include FKF Management Corp., Inc. and State Street Services Corp.