ABIGAIL ADAMS NATIONAL BANCORP INC
DEFA14A, 1997-12-02
STATE COMMERCIAL BANKS
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Dear Stockholder:

Please accept our thanks for sending in your WHITE Proxy Card.

To avoid  the  possibility  of the  validity  of your  WHITE  Proxy  Card  being
challenged or disqualified for the reason(s)  indicated below, we are requesting
that you  sign,  date and  mail the  enclosed  new  WHITE  Proxy  Card  with the
correction  indicated  below in the  self-addressed  envelope  provided for your
convenience.  This WHITE Proxy Card will automatically revoke any previous WHITE
Proxy Card when it is returned to us.

[ ]      Your  previous  WHITE Proxy was  unsigned.  (If signing as  attorney,
         executor,   administrator,   personal  representative  of  the  estate,
         corporate officer, partner, trustee, custodian or guardian, please sign
         and give your full title as such.)

[ ]      Your previous WHITE Proxy was undated.  (Please date, sign and return 
         the new proxy in the enclosed envelope.)

[ ]      Your  previous  WHITE  Proxy  omitted  your title or  authority.  (If
         signing as attorney, executor,  administrator,  personal representative
         of the  estate,  corporate  officer,  partner,  trustee,  custodian  or
         guardian, please sign and give your full title as such.)

[ ]      Your  previous  WHITE Proxy,  as signed,  did not conform to the name
         shown on the Proxy.  (Please date and sign the WHITE Proxy Card exactly
         as the registration appears on the proxy,  including your full title if
         signing other than in an individual capacity. If the registration is in
         the name of a custodian for the benefit of a minor,  the custodian must
         sign and indicate their capacity.  If you are a beneficiary 18 years or
         older, you may sign as long as you indicate your age.)

[ ]      Your previous WHITE Proxy,  as marked,  did not clearly  specify your
         instructions. (Please sign, date and clearly mark your proxy.)

[ ]      Other

Since time is of the essence,  we would greatly appreciate your signing,  dating
and mailing the enclosed WHITE Proxy Card as soon as possible. Please mail it in
the envelope  provided for your convenience.  Once again, we greatly  appreciate
your support.


                                           Sincerely,

                                           ABIGAIL ADAMS NATIONAL BANCORP, INC.






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