<PAGE> 1
Page 1 of 32 Pages
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13D
(Rule 13d-101)
INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE
13D-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13D-2(a)
(AMENDMENT NO. _____)1
Skaneateles Bancorp, Inc.
- --------------------------------------------------------------------------------
(Name of Issuer)
Common Stock, par value $.01 per share
- --------------------------------------------------------------------------------
(Title of Class of Securities)
830-506101
- --------------------------------------------------------------------------------
(CUSIP Number)
J. Daniel Mohr
Skaneateles Savings Bank
33 East Genesee Street
Skaneateles, New York 13152
(315) 685-2265
- --------------------------------------------------------------------------------
(Name, Address and Telephone Number of Person
Authorized to Receive Notices and Communications)
January 25, 1999
- --------------------------------------------------------------------------------
(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 which is the subject of this Schedule 13D, and is filing
this schedule because of Rule 13d-1(e), 13d-1(f) or 13d-1(f), check the
following box |_|.
(continued on following pages)
- ------------------
1 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.
<PAGE> 2
CUSIP No. 830-506101 Page 2 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
JOHN P. DRISCOLL
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 44,341
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
44,341
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
44,341
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
2.9%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 3
CUSIP No. 830-506101 Page 3 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
J. DAVID HAMMOND
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 14,623
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
14,623
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
14,623
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
1%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 4
CUSIP No. 830-506101 Page 4 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
KAREN E. LOCKWOOD
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 6,623
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
6,623
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
6,623
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.4%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 5
CUSIP No. 830-506101 Page 5 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
J. DANIEL MOHR
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 3,168
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
3,168
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
3,168
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.2%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 6
CUSIP No. 830-506101 Page 6 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
WILLIAM J. WELCH
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 14,993
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
14,993
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
14,993
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
1%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 7
CUSIP No. 830-506101 Page 7 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
ISRAEL BERKMAN
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 3,934
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
3,934
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
3,934
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.3%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 8
CUSIP No. 830-506101 Page 8 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
DAVID E. BLACKWELL
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 3,071
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
3,071
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
3,071
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.2%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 9
CUSIP No. 830-506101 Page 9 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
WALTER D. COPELAND
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 0
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 2,488
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
0
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
2,488
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
2,488 (Shares owned by Walter D. Copeland and Concetta M. Copeland Revocable Living Trust dated October
11, 1995, Walter D. Copeland and Concetta M. Copeland, trustees.)
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.2%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 10
CUSIP No. 830-506101 Page 10 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
CARL W. GERST, JR.
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 7,007
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
7,007
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
7,007
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.5%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 11
CUSIP No. 830-506101 Page 11 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
JOHN BERNARD HENRY, M.D.
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 0
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 4,443
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
0
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
4,443
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
4,443 (All shares held jointly with Mr. Henry's wife)
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.3%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 12
CUSIP No. 830-506101 Page 12 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
ANN G. HIGBEE
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 7,103
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
7,103
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
7,103
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.5%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 13
CUSIP No. 830-506101 Page 13 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
HOWARD J. MILLER
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 3,681
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
3,681
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
4,431 (750 shares of the Issuer's Common Stock are owned by Mr. Miller's spouse)
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.3%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 14
CUSIP No. 830-506101 Page 14 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
FRANCIS R. O' CONNOR
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 10,416
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
10,416
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
10,916 (500 shares of the Issuer's Common Stock are owned by Mr. O'Connor's spouse)
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.7%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 15
CUSIP No. 830-506101 Page 15 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
ANNE E. O' CONNOR
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 500
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
500
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
500 (10,416 shares of the Issuer's Common Stock are owned by Mrs. O'Connor's spouse)
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
Less than 0.1%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 16
CUSIP No. 830-506101 Page 16 of 32 Pages
----------
13D
<TABLE>
<S> <C> <C>
============ =======================================================================================================
1 NAME OF REPORTING PERSON:
RAYMOND C. TRAVER, JR., M.D.
- ------------ -------------------------------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_|
(b) |_|
- ------------ -------------------------------------------------------------------------------------------------------
3 SEC USE ONLY
- ------------ -------------------------------------------------------------------------------------------------------
4 SOURCE OF FUNDS*
PF
- ------------ -------------------------------------------------------------------------------------------------------
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEM 2(d) or 2(e) |_|
- ------------ -------------------------------------------------------------------------------------------------------
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- ------------ -------------------------------------------------------------------------------------------------------
7 SOLE VOTING POWER
NUMBER OF
SHARES 12,368
BENEFICIALLY --------- ----------------------------------------------------------------------------------
OWNED BY 8 SHARED VOTING POWER
EACH 0
REPORTING --------- ----------------------------------------------------------------------------------
PERSON WITH 9 SOLE DISPOSITIVE POWER
12,368
--------- ----------------------------------------------------------------------------------
10 SHARED DISPOSITIVE POWER
0
- ------------ -------------------------------------------------------------------------------------------------------
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
12,368
- ------------ -------------------------------------------------------------------------------------------------------
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES* |_|
- ------------ -------------------------------------------------------------------------------------------------------
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.8%
- ------------ -------------------------------------------------------------------------------------------------------
14 TYPE OF REPORTING PERSON*
IN
============ =======================================================================================================
</TABLE>
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE> 17
CUSIP No. 830-506101 Page 17 of 32 Pages
----------
ITEM 1. SECURITY AND ISSUER.
Common Stock, $.01 par value per share
Skaneateles Bancorp, Inc.
33 East Genesee Street
Skaneateles, New York 13152
ITEM 2. IDENTITY AND BACKGROUND.
(i) John P. Driscoll
(a) John P. Driscoll.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Chairman of the Board of Directors and Chief
Executive Officer of Skaneateles Savings Bank and
Skaneateles Bancorp, Inc., 33 East Genesee Street,
Skaneateles, New York 13152.
(d) During the last five years, John P. Driscoll has not
been convicted in a criminal proceeding (excluding
traffic violations or similar misdemeanors).
(e) During the last five years, John P. Driscoll has not
been a party to a civil proceeding of a judicial or
administrative body.
(f) United States.
(ii) J. David Hammond
(a) J. David Hammond.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Executive Vice President and Secretary of Skaneateles
Savings Bank and Skaneateles Bancorp, Inc., 33 East
Genesee Street, Skaneateles, New York 13152.
(d) During the last five years, J. David Hammond has not
been convicted in a criminal proceeding (excluding
traffic violations or similar misdemeanors).
(e) During the last five years, J. David Hammond has not
been a party to a civil proceeding of a judicial or
administrative body.
(f) United States.
<PAGE> 18
CUSIP No. 830-506101 Page 18 of 32 Pages
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(iii) Karen E. Lockwood
(a) Karen E. Lockwood.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Vice President of Skaneateles Savings Bank, 33 East
Genesee Street, Skaneateles, New York 13152.
(d) During the last five years, Karen E. Lockwood has not
been convicted in a criminal proceeding (excluding
traffic violations or similar misdemeanors).
(e) During the last five years, Karen E. Lockwood has not
been a party to a civil proceeding of a judicial or
administrative body.
(f) United States.
(iv) J. Daniel Mohr
(a) J. Daniel Mohr.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Vice President and Treasurer of Skaneateles Savings
Bank and Treasurer of Skaneateles Bancorp, Inc., 33
East Genesee Street, Skaneateles, New York 13152.
(d) During the last five years, J. Daniel Mohr has not
been convicted in a criminal proceeding (excluding
traffic violations or similar misdemeanors).
(e) During the last five years, J. Daniel Mohr has not
been a party to a civil proceeding of a judicial or
administrative body.
(f) United States.
(v) William J. Welch
(a) William J. Welch.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Vice President, Assistant Secretary and Assistant
Treasurer of Skaneateles Savings Bank and Assistant
Secretary and Assistant Treasurer of Skaneateles
Bancorp, Inc., 33 East Genesee Street, Skaneateles,
New York 13152.
<PAGE> 19
CUSIP No. 830-506101 Page 19 of 32 Pages
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(d) During the last five years, William J. Welch has not
been convicted in a criminal proceeding (excluding
traffic violations or similar misdemeanors).
(e) During the last five years, William J. Welch has not
been a party to a civil proceeding of a judicial or
administrative body.
(f) United States.
(vi) Israel Berkman
(a) Israel Berkman.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Director of Skaneateles Bancorp, Inc., 33 East
Genesee Street, Skaneateles, New York 13152.
(d) During the last five years, Israel Berkman has not
been convicted in a criminal proceeding (excluding
traffic violations or similar misdemeanors).
(e) During the last five years, Israel Berkman has not
been a party to a civil proceeding of a judicial or
administrative body.
(f) United States.
(vii) David E. Blackwell
(a) David E. Blackwell.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Director of Skaneateles Bancorp, Inc. and Director of
Skaneateles Savings Bank, 33 East Genesee Street,
Skaneateles, New York 13152.
(d) During the last five years, David E. Blackwell has
not been convicted in a criminal proceeding
(excluding traffic violations or similar
misdemeanors).
(e) During the last five years, David E. Blackwell has
not been a party to a civil proceeding of a judicial
or administrative body.
(f) United States.
<PAGE> 20
CUSIP No. 830-506101 Page 20 of 32 Pages
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(viii) Walter D. Copeland
(a) Walter D. Copeland.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Director of Skaneateles Bancorp, Inc. and Director of
Skaneateles Savings Bank, 33 East Genesee Street,
Skaneateles, New York 13152.
(d) During the last five years, Walter D. Copeland has
not been convicted in a criminal proceeding
(excluding traffic violations or similar
misdemeanors).
(e) During the last five years, Walter D. Copeland has
not been a party to a civil proceeding of a judicial
or administrative body.
(f) United States.
(ix) Carl W. Gerst, Jr.
(a) Carl W. Gerst, Jr.
(b) Anaren Microwave, Inc., 6635 Kirkville Road, East
Syracuse, New York 13057.
(c) Vice President and Chief Technical Officer of Anaren
Microwave, Inc., 6635 Kirkville Road, East Syracuse,
New York 13057. Director of Skaneateles Bancorp, Inc.
and of Skaneateles Savings Bank, 33 East Genesee
Street, Skaneateles, New York 13152.
(d) During the last five years, Carl W. Gerst, Jr. has
not been convicted in a criminal proceeding
(excluding traffic violations or similar
misdemeanors).
(e) During the last five years, Carl W. Gerst, Jr. has
not been a party to a civil proceeding of a judicial
or administrative body.
(f) United States.
(x) John Bernard Henry, M.D.
(a) John Bernard Henry, M.D.
(b) State University of New York Health Science Center,
Weiskotten Hall, Room 2261, 766 Irving Avenue,
Syracuse, New York 13210.
<PAGE> 21
CUSIP No. 830-506101 Page 21 of 32 Pages
----------
(c) Distinguished Service Professor, State University of
New York Health Science Center at Syracuse,
Weiskotten Hall, Room 2261, 766 Irving Avenue,
Syracuse, New York 13210. Director of Skaneateles
Bancorp, Inc. and Skaneateles Savings Bank, 33 East
Genesee Street, Skaneateles, New York 13152.
(d) During the last five years, John Bernard Henry, M.D.
has not been convicted in a criminal proceeding
(excluding traffic violations or similar
misdemeanors).
(e) During the last five years, John Bernard Henry, M.D.
has not been a party to a civil proceeding of a
judicial or administrative body.
(f) United States.
(xi) Ann G. Higbee
(a) Ann G. Higbee.
(b) 500 Plum Street, Syracuse, New York 13204.
(c) Managing Partner, Public Relations Services, Eric
Mower & Associates, Inc., 500 Plum Street, Syracuse,
New York 13204. Director of Skaneateles Bancorp, Inc.
and Skaneateles Savings Bank, 33 East Genesee Street,
Skaneateles, New York 13152.
(d) During the last five years, Ann G. Higbee has not
been convicted in a criminal proceeding (excluding
traffic violations or similar misdemeanors).
(e) During the last five years, Ann G. Higbee has not
been a party to a civil proceeding of a judicial or
administrative body.
(f) United States.
(xii) Howard J. Miller
(a) Howard J. Miller.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Director of Skaneateles Bancorp, Inc. and Skaneateles
Savings Bank, 33 East Genesee Street, Skaneateles,
New York 13152.
(d) During the last five years, Howard J. Miller has not
been convicted in a criminal proceeding (excluding
traffic violations or similar misdemeanors).
<PAGE> 22
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----------
(e) During the last five years, Howard J. Miller has not
been a party to a civil proceeding of a judicial or
administrative body.
(f) United States.
(xiii) Francis R. O'Connor
(a) Francis R. O'Connor.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) President, Kopp Billing Agency, 511 East Fayette
Street, Syracuse, New York 13220; Former Director of
Skaneateles Bancorp, Inc. and Skaneateles Savings
Bank, 33 East Genesee Street, Skaneateles, New York
13152.
(d) During the last five years, Francis R. O'Connor has
not been convicted in a criminal proceeding
(excluding traffic violations or similar
misdemeanors).
(e) During the last five years, Francis R. O'Connor has
not been a party to a civil proceeding of a judicial
or administrative body.
(f) United States.
(xiv) Anne E. O'Connor
(a) Anne E. O'Connor.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Corporate Secretary, Kopp Billing Agency, 511 East
Fayette Street, Syracuse, New York 13220; Director of
Skaneateles Bancorp, Inc. and Skaneateles Savings
Bank, 33 East Genesee Street, Skaneateles, New York
13152.
(d) During the last five years, Anne E. O'Connor has not
been convicted in a criminal proceeding (excluding
traffic violations or similar misdemeanors).
(e) During the last five years, Anne E. O'Connor has not
been a party to a civil proceeding of a judicial or
administrative body.
(f) United States.
<PAGE> 23
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(xv) Raymond C. Traver, Jr., M.D.
(a) Raymond C. Traver, Jr., M.D.
(b) 33 East Genesee Street, Skaneateles, New York 13152.
(c) Retired Orthopedic Surgeon; Director of Skaneateles
Bancorp, Inc. and Skaneateles Savings Bank, 33 East
Genesee Street, Skaneateles, New York 13152.
(d) During the last five years, Raymond C. Traver, Jr.,
M.D. has not been convicted in a criminal proceeding
(excluding traffic violations or similar
misdemeanors).
(e) During the last five years, Raymond C. Traver, Jr.,
M.D. has not been a party to a civil proceeding of a
judicial or administrative body.
(f) United States.
ITEM 3. SOURCE AND AMOUNT OF FUNDS OR OTHER CONSIDERATION.
Each of the Reporting Persons acquired his or her
shares of the Issuer's Common Stock through direct cash
payments, the Issuer's Dividend Reinvestment Plan, the
Employee Stock Purchase Plan, the Issuer's Director's Stock
Purchase Plan, other Issuer employee benefit plans and/or the
exercise of options and warrants.
ITEM 4. PURPOSE OF TRANSACTION.
Each Reporting Person engaged in the transactions in
which such other Reporting Person acquired shares of the
Issuer's Common Stock as an investment.
ITEM 5. INTEREST IN SECURITIES OF THE ISSUER.
(i) John P. Driscoll
(a) Amount beneficially owned: 44,341
Percent of class: 2.9%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
44,341
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 44,341
<PAGE> 24
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----------
(iv) shared power to dispose or to direct the
disposition of: 0
(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(ii) J. David Hammond
(a) Amount beneficially owned: 14,623
Percent of class: 1%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the
vote: 14,623
(ii) shared power to vote or to direct the
vote: 0
(iii) sole power to dispose or to direct the
disposition of: 14,623
(iv) shared power to dispose or to direct the
disposition of: 0
(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(iii) Karen E. Lockwood
(a) Amount beneficially owned: 6,623
Percent of class: 0.4%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the
vote: 6,623
(ii) shared power to vote or to direct the
vote: 0
(iii) sole power to dispose or to direct the
disposition of: 6,623
(iv) shared power to dispose or to direct the
disposition of: 0
<PAGE> 25
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(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(iv) J. Daniel Mohr
(a) Amount beneficially owned: 3,168
Percent of class: 0.2%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the
vote: 3,168
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 3,168
(iv) shared power to dispose or to direct the
disposition of: 0
(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(v) William J. Welch
(a) Amount beneficially owned: 14,993
Percent of class: 1%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
14,993
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 14,993
(iv) shared power to dispose or to direct the
disposition of: 0
<PAGE> 26
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(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(vi) Israel Berkman
(a) Amount beneficially owned: 3,934
Percent of class: 0.3%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
3,934
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 3,934
(iv) shared power to dispose or to direct the
disposition of: 0
(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(vii) David E. Blackwell
(a) Amount beneficially owned: 3,071
Percent of class: 0.2%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
3,071
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 3,071
(iv) shared power to dispose or to direct the
disposition of: 0
<PAGE> 27
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(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(viii) Walter D. Copeland
(a) Amount beneficially owned: 2,488
Percent of class: 0.2%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
0
(ii) shared power to vote or to direct the vote:
2,488
(iii) sole power to dispose or to direct the
disposition of: 0
(iv) shared power to dispose or to direct the
disposition of: 2,488
(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(ix) Carl W. Gerst, Jr.
(a) Amount beneficially owned: 7,007
Percent of class: 0.5%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
7,007
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 7,007
(iv) shared power to dispose or to direct the
disposition of: 0
<PAGE> 28
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(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(x) John Bernard Henry, M.D.
(a) Amount beneficially owned: 4,443
Percent of class: 0.3%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
0
(ii) shared power to vote or to direct the vote:
4,443
(iii) sole power to dispose or to direct the
disposition of: 0
(iv) shared power to dispose or to direct the
disposition of: 4,443
(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(xi) Ann G. Higbee
(a) Amount beneficially owned: 7,103
Percent of class: 0.5%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
7,103
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 7,103
(iv) shared power to dispose or to direct the
disposition of: 0
<PAGE> 29
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(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(xii) Howard J. Miller
(a) Amount beneficially owned: 4,431
Percent of class: 0.3%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
3,681
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 3,681
(iv) shared power to dispose or to direct the
disposition of: 0
(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(xiii) Francis R. O'Connor
(a) Amount beneficially owned: 10,916
Percent of class: 0.7%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
10,416
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 10,416
(iv) shared power to dispose or to direct the
disposition of: 0
<PAGE> 30
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(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(xiv) Anne E. O'Connor
(a) Amount beneficially owned: 500
Percent of class: Less than 0.1%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
500
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 500
(iv) shared power to dispose or to direct the
disposition of: 0
(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
(xv) Raymond C. Traver, Jr., M.D.
(a) Amount beneficially owned: 12,368
Percent of class: 0.8%
(b) Number of shares as to which the Reporting Person
has:
(i) sole power to vote or to direct the vote:
12,368
(ii) shared power to vote or to direct the vote:
0
(iii) sole power to dispose or to direct the
disposition of: 12,368
(iv) shared power to dispose or to direct the
disposition of: 0
<PAGE> 31
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(c) No transactions in the securities of the Issuer were
effected by the above Reporting Person within 60 days
of the date of the event which necessitates this
filing.
(d) Not applicable.
(e) Not applicable.
ITEM 6. CONTRACTS, ARRANGEMENTS, UNDERSTANDINGS OR RELATIONSHIPS WITH
RESPECT TO SECURITIES OF THE ISSUER.
On January 25, 1999, Skaneateles Bancorp, Inc. (the
"Issuer") entered into an Agreement and Plan of Merger (the
"Agreement") with BSB Bancorp, Inc. ("BSB Bancorp"), which
provides for the acquisition by BSB Bancorp of the Issuer in a
tax-free, stock-for-stock exchange (the "Merger"). The Merger
is subject to certain conditions, including approval by the
Issuer's shareholders and the receipt of required regulatory
approvals.
In connection with the Agreement, BSB Bancorp and
certain shareholders of the Issuer entered into a Stockholder
Agreement (the "Stockholder Agreement") pursuant to which each
of the stockholders who executed the Stockholder Agreement
agreed to vote in favor of the Merger, among other things.
Each of the Reporting Persons executed the Stockholder
Agreement.
The Stockholder Agreement is attached hereto as
Exhibit 5.1.
ITEM 7. MATERIAL TO BE FILED AS EXHIBITS.
Exhibit No. Description
----------- -----------
5.1 Stockholder Agreement, dated as of
January 25, 1999, by and between BSB
Bancorp, Inc. and certain
stockholders of Skaneateles Bancorp,
Inc.
<PAGE> 32
Page 32 of 32 Pages
SIGNATURE
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.
Dated: February 15, 1999
/s/ John P. Driscoll /s/ Walter D. Copeland
- ----------------------------- --------------------------------
John P. Driscoll Walter D. Copeland
/s/ J. David Hammond /s/ Carl W. Gerst
- ----------------------------- --------------------------------
J. David Hammond Carl W. Gerst, Jr.
/s/ Karen E. Lockwood /s/ John Bernard Henry
- ----------------------------- --------------------------------
Karen E. Lockwood John Bernard Henry, M.D.
/s/ J. Daniel Mohr /s/ Howard J. Miller
- ----------------------------- --------------------------------
J. Daniel Mohr Howard J. Miller
/s/ William J. Welch /s/ Francis R. O'Connor
- ----------------------------- --------------------------------
William J. Welch Francis R. O'Connor
/s/ Israel Berkman /s/ Anne E. O'Connor
- ----------------------------- --------------------------------
Israel Berkman Anne E. O'Connor
/s/ David C. Blackwell /s/ Raymond C. Traver, Jr.
- ----------------------------- --------------------------------
David C. Blackwell Raymond C. Traver, Jr., M.D.
/s/ Ann G. Higbee
- -----------------------------
Ann G. Higbee
<PAGE> 1
EXHIBIT 5.1
-----------
SKANEATELES BANCORP, INC.
STOCKHOLDER AGREEMENT
This STOCKHOLDER AGREEMENT, dated as of January 25, 1999, is entered
into by and among BSB Bancorp, Inc., a Delaware corporation ("BSB Bancorp"), and
the stockholders of Skaneateles Bancorp, Inc., a Delaware corporation
("Skaneateles"), identified on Schedule I hereto (collectively, the
"Stockholders"), who are directors, executive officers or other affiliates of
Skaneateles (for purposes of Rule 145 under the Securities Act of 1933, as
amended, and for purposes of qualifying the Merger (defined below) for
"pooling-of interests" accounting treatment).
WHEREAS, BSB Bancorp and Skaneateles have entered into an Agreement and
Plan of Merger, dated as of January 25, 1999 (the "Agreement"), which is
conditioned upon the execution of this Stockholder Agreement and which provides
for, among other things, the merger of Skaneateles with and into BSB Bancorp, in
a stock-for-stock transaction (the "Merger"); and
WHEREAS, in order to induce BSB Bancorp to enter into and consummate the
Agreement, each of the Stockholders agrees to, among other things, vote in favor
of the Agreement, the Merger and the other transactions contemplated by the
Agreement in his or her capacity as a stockholder of Skaneateles;
NOW, THEREFORE in consideration of the premises, the mutual covenants
and agreements set forth herein and other good and valuable consideration, the
sufficiency of which is hereby acknowledged, the parties hereto agree as
follows:
1. OWNERSHIP OF SKANEATELES COMMON STOCK. Each Stockholder represents
and warrants that the number of shares of Skaneateles common stock, par value
$.01 per share (?Skaneateles Common Stock?), set forth opposite such
Stockholder's name on Schedule I hereto is the total number of shares of
Skaneateles Common Stock over which such person has ?beneficial ownership?
within the meaning of Rule 13d-3 under the Securities Exchange Act of 1934, as
amended, except that the provisions of Rule 13d-3(d)(1)(i) shall be considered
without any limit as to time.
2. AGREEMENTS OF THE STOCKHOLDERS. Each Stockholder covenants and agrees
that:
(a) Such Stockholder shall, at any meeting of the holders of any
or all classes or series of Skaneateles Common Stock called for the purpose (or
in connection with any action taken by written consent), vote or cause to be
voted all shares of Skaneateles Common Stock with respect to which such
Stockholder has voting power (including the power to vote or to direct the
voting of) whether owned as of the date hereof or hereafter acquired (i) in
favor of
<PAGE> 2
the Agreement, the Merger and the other transactions contemplated by the
Agreement and (ii) against any plan or proposal pursuant to which Skaneateles is
to be acquired by or merged with, or pursuant to which Skaneateles proposes to
sell all or substantially all of its assets and liabilities to, any person,
entity or group (other than BSB Bancorp or any affiliate thereof) or any other
action that is inconsistent with the Agreement or the transactions contemplated
thereby. Notwithstanding the foregoing, or any other provision of this
Stockholder Agreement, BSB Bancorp shall have no agreement, arrangement or
understanding with any Stockholder as to directing the voting of any shares of
Skaneateles Common Stock to the extent it would result in BSB Bancorp,
individually or with any of its Affiliates (as defined in the next sentence) or
Associates (as defined in the next sentence) becoming the Beneficial Owner (as
defined in the next sentence) of five percent or more of the Voting Stock (as
defined in the next sentence) of Skaneateles. The terms "Affiliates,"
"Associates," "Beneficial Owner," and "Voting Stock" are as defined or
referenced in Article 12 of the Skaneateles Certificate of Incorporation. In
determining which, if any, Stockholder that BSB Bancorp shall have no agreement,
arrangement or understanding with as to directing the voting of any shares of
Skaneateles Common Stock, reference shall be made to the Stockholders in order
of the amount of Skaneateles Common Stock set forth opposite such Stockholder's
name on Schedule I hereto, beginning with the Stockholder who reports the fewest
number of shares, and continuing in ascending order therefrom.
(b) Except as otherwise expressly permitted hereby, such
Stockholder shall not sell, pledge, transfer or otherwise dispose of his or her
shares of Skaneateles Common Stock; provided, however, that this Section 2(b)
shall not apply to a pledge existing as of January 1, 1999.
(c) Such Stockholder shall not in his or her capacity as a
stockholder of Skaneateles directly or indirectly encourage or solicit, initiate
or hold discussions or negotiations with, or provide any information to, any
person, entity or group (other than BSB Bancorp or an affiliate thereof)
concerning any merger, sale of all or substantially all of the assets or
liabilities not in the ordinary course of business, sale of shares of capital
stock or similar transaction involving Skaneateles or otherwise inconsistent
with the Agreement or the transactions contemplated thereby. Nothing herein
shall impair such Stockholder?s fiduciary obligations as a director of
Skaneateles.
(d) Stockholder shall use his or her best efforts to take or
cause to be taken all action, and to do or cause to be done all things
necessary, proper or advisable under applicable laws and regulations to
consummate and make effective the Merger contemplated by the Agreement.
(e) Such Stockholder shall not, prior to the public release by
BSB Bancorp of an earnings report to its stockholders covering at least one
month of operations after consummation of the Merger (the "Restricted Period"),
sell, pledge (other than the replacement of a pledge existing on January 1, 1999
of Skaneateles Common Stock), transfer or otherwise dispose of the shares of BSB
Bancorp common stock, par value $.01 per share (the "BSB Bancorp Common Stock"),
to be received by him or her for his or her shares of Skaneateles
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Common Stock upon consummation of the Merger, it being agreed that BSB Bancorp
shall use commercially reasonable efforts to publish such earnings report within
45 days after the end of the first month after the Merger becomes effective in
which there are at least 30 days of post-Merger combined operations.
(f) Such Stockholder shall comply with all applicable federal and
state securities laws in connection with any sale of BSB Bancorp Common Stock
received in exchange for Skaneateles Common Stock in the Merger, including the
trading and volume limitations as to sales by affiliates contained in Rule 145
under the Securities Act of 1933, as amended.
3. SUCCESSORS AND ASSIGNS. A Stockholder may sell, pledge, transfer or
otherwise dispose of his or her shares of Skaneateles Common Stock only with the
prior written consent of BSB Bancorp and if the acquirer of such Skaneateles
Common Stock agrees in writing to be bound by this Stockholder Agreement.
4. TERMINATION. The parties agree and intend that this Stockholder
Agreement be a valid and binding agreement enforceable against the parties
hereto and that damages and other remedies at law for the breach of this
Stockholder Agreement are inadequate. This Stockholder Agreement may be
terminated at any time prior to the consummation of the Merger by the written
consent of the parties hereto and shall be automatically terminated in the event
that the Agreement is terminated in accordance with its terms; provided,
however, that if the holders of Skaneateles Common Stock fail to approve the
Agreement or Skaneateles fails to hold a stockholders? meeting to vote on the
Agreement, then (i) Section 2(a) clause (ii) hereof shall continue in effect as
to any plan or proposal received by Skaneateles from any person, entity or group
(other than BSB Bancorp or any affiliate thereof) prior to the termination of
the Agreement or within 240 days after such termination ("Plan or Proposal") and
(ii) Section 2(b) hereof shall continue in effect to preclude a sale (other than
pursuant to normal brokers transactions on the Nasdaq Stock Market), pledge
(other than to a bona fide financial institution or recognized securities
dealer), transfer or other disposition directly or indirectly to any such
person, entity or group in connection with any such Plan or Proposal, except
upon consummation of such Plan or Proposal.
5. NOTICES. Notices may be provided to BSB Bancorp and the Stockholders
in the manner specified in the Agreement, with all notices to the Stockholders
being provided to them at the addresses set forth at Schedule I.
6. GOVERNING LAW. This Stockholder Agreement shall be governed by the
laws of the State of Delaware, without giving effect to the principles of
conflicts of laws thereof.
7. COUNTERPARTS. This Stockholder Agreement may be executed in one or
more counterparts, all of which shall be considered one and the same and each of
which shall be deemed an original.
8. HEADINGS. The Section headings contained herein are for reference
purposes only and shall not affect in any way the meaning or interpretation of
this Stockholder Agreement.
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9. REGULATORY APPROVAL. If any provision of this Stockholder Agreement
requires the approval of any regulatory authority in order to be enforceable,
then such provision shall not be effective until such approval is obtained;
provided, however, that the foregoing shall not affect the enforceability of any
other provision of this Stockholder Agreement.
IN WITNESS WHEREOF, BSB Bancorp, by a duly authorized officer, and each
of the Stockholders have caused this Stockholder Agreement to be executed and
delivered as of the day and year first above written.
BSB BANCORP, INC.
By:
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Alex S. DePersis
President and Chief Executive Officer
STOCKHOLDERS:
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SCHEDULE I
Number of Shares of Skaneateles Common
Name and Address of Stockholder Stock Beneficially Owned
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