WILLOW GROVE BANCORP INC S-1

S-1

PROSPECTUS

EX-1.1

LETTER TO FREDERICK A. MARCELL

EX-2.1

PLAN OF ACQUISITION, REORGANIZATION, ETC.

EX-2.2

WILLOW GROVE BANK PLAN OF STOCK ISSUANCE

EX-3.1

ARTICLE OF INCORPORATION

EX-3.2

BYLAWS

EX-3.3

ARTICLES OF INCORPORATION

EX-3.4

ARTICLES OF INCORPORATION

EX-3.5

ARTICLES OF INCORPORATION

EX-3.6

BYLAWS

EX-4.1

INSTRUMENTS DEFINING RIGHTS OF SECURITY HOLDERS

EX-8.3

PLAN OF CONVERSION: SUBSCRIPTION RIGHTS

EX-10.1

MATERIAL CONTRACTS

EX-10.2

EMPLOYMENT AGREEMENT

EX-10.3

SUPPLEMENTAL RETIREMENT AGREEMENT

EX-10.4

MATERIAL CONTRACTS

EX-23.2

CONSENTS OF EXPERTS AND COUNSEL

EX-23.3

CONSENTS OF EXPERTS AND COUNSEL

EX-99.2

PROXY CARD

EX-99.3

LETTER TO PROSPECTIVE INVESTOR

EX-27

FDS -- EXHIBIT 27