SOUND FEDERAL BANCORP S-1

S-1

FORM S-1

EX-1.1

ENGAGEMENT LETTER

EX-2

PLAN OF REORGANIZATION

EX-3.1

PROPOSED FEDERAL HOLDING COMPANY CHARTER

EX-3.2

PROPOSED BY-LAWS

EX-4

FORM OF COMMON STOCK CERTIFICATE

EX-5

OPINION RE LEGALITY

EX-8.1

FORM OF FEDERAL TAX OPINION

EX-8.2

OPINION RE SUBSCRIPTION RIGHTS

EX-10.1

FORM OF EMPLOYEE STOCK OWNERSHIP PLAN

EX-10.2

EMPLOYMENT AGREEMENT

EX-10.3

EMPLOYMENT AGREEMENT

EX-10.4

DIRECTORS DEFERRED FEE PLAN

EX-10.5

DIRECTORS EMERITUS PROGRAM

EX-21

SUBSIDIARIES OF THE REGISTRANT

EX-23.2

CONSENT OF KPMG PEAT MARWICK LLP

EX-23.3

CONSENT OF FINPRO INC

EX-27.1

FINANCIAL DATA SCHEDULE

EX-99.1

APPRAISAL AGREEMENT

EX-99.2

APPRAISAL REPORT

EX-99.3

PROXY STATEMENT

EX-99.4

MARKETING MATERIALS

EX-99.5

ORDER AND ACKNOWLEDGMENT FORM

EX-99.6

401(K) SUPPLEMENT