JAINDL FREDERICK J
DFAN14A, 2000-04-18
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                           MASSACHUSETTS FINCORP, INC.
                     COMMITTEE TO ENHANCE STOCKHOLDER VALUE
                                ("the Committee")


April 18, 2000

Dear Fellow Stockholders:

     Thank you for your  support.  We have only one week until the  Shareholders
Meeting  and it is  important  that your vote is  counted.  For that reason I am
asking that you take the following steps:

1.   Even if you have already voted, Vote again "FOR" the Committee  Nominees on
     the White proxy card and return it in the enclosed envelope.

2.   If you are a registered shareholder,  prior to mailing your proxy card, fax
     a copy to 212-843-4384.  If your proxy card is lost in the mail, a fax copy
     would serve as evidence that you voted.

Regardless  of the  number  of  shares  that you  own,  your  vote is  extremely
important.  The  Committee  to  Enhance  Stockholder  Value  will  protect  your
investment.

If you have any questions or require any assistance,  please contact me at (610)
366-1900 ext. 112.

                                    Sincerely,

                                    /s/ Mark W. Jaindl
                                    The Committee to Enhance Stockholder Value



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