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U~, • 6565 Americas Parkway, NE-M700 Post Office Box 3939 Albuquerque, NM 67190 Indepeudeut Auditors' Report The Board of Directors First Place Financial Corporation: • We have audited the accompanying consolidated balance sheets of First Corporation and subsidiaries (the Corporation) as of December 31, 1998 ar related consolidated statements of income, changes in stockholders' equity, ar each of the years in the three-year period ended December 31, 1998. T't financial statements are the responsibility of the Corporation's management. is to express an opinion on these consolidated financial statements based on our We conducted our audits in accordance with generally accepted auditing st standards require that we plan and perform the audit to obtain reasonable whether the financial statements are free of material misstatement. An audit inc on a test basis, evidence supporting the amounts and disclosures in the financia audit also includes assessing the accounting principles used and significant es management, as well as evaluating the overall financial statement presentation. our audits provide a reasonable basis for our opinion. In our opinion, the consolidated financial statements referred to above p, material respects, the financial position of First Place Financial Corporation of December 31, 1998 and 1997, and the results of their operations and their of the years in the three-year period ended December 31, 1998 in confort accepted accounting principles. ~w(G LLB Albuquerque, New Mexico January 22, 1999 53 ,,,, FRAG LV rMAG U3~U$M~NE I.,yry vmwvwn ~ Ewen a cerG w•wvemr. 5,..,, wocmm lace Financial 1997, and the cash flows for e consolidated responsibility ndards. Those assurance about tdes examining, statements. An mates made by We believe that tt fairly, in all subsidiaries as flows for each with generally