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Ticker:FFFL
Company Name: Fidelity Bankshares, Inc.

Business Overview from 10-K filing for Fidelity Bankshares, Inc.:

Fidelity Bankshares, Inc. is a Delaware corporation which, on May 15, 2001, became the holding company parent of Fidelity Federal Bank & Trust, following the completion of the “second step” mutual-to-stock conversion of Fidelity Bankshares, MHC. Prior to completion of the “second step” conversion, Fidelity Federal Bank & Trust’s mid-tier stock holding company parent was also called Fidelity Bankshares, Inc. References to Fidelity Bankshares, Inc. includes references before and after the “second step” conversion. The conversion was accounted for as a change in corporate form with no subsequent change in the historical basis of the Company’s assets, liabilities and equity. All references in this filing to share data (including number of shares and per-share amounts) have been restated giving retroactive recognition to the exchange rate. At December 31, 2004, the only significant asset or business activity of Fidelity Bankshares, Inc.     

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