-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 J8V8vylmFR4/N1UYZMf07qZHQVLI7HosvCtneKHMQExnnlthqvz0BmWTxSncpsc1
 cEUtAtEBs1xOyA0GIB/B0Q==

<SEC-DOCUMENT>0000897226-03-000213.txt : 20031110
<SEC-HEADER>0000897226-03-000213.hdr.sgml : 20031110
<ACCEPTANCE-DATETIME>20031110164312
ACCESSION NUMBER:		0000897226-03-000213
CONFORMED SUBMISSION TYPE:	SC 13G/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20031110

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WILLOW GROVE BANCORP INC/NEW
		CENTRAL INDEX KEY:			0001163428
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				800034942
		STATE OF INCORPORATION:			PA

	FILING VALUES:
		FORM TYPE:		SC 13G/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-78267
		FILM NUMBER:		03988845

	BUSINESS ADDRESS:	
		STREET 1:		WELSH & NORRISTWN ROADS
		CITY:			PENNSYLVANIA
		STATE:			PA
		ZIP:			19002
		BUSINESS PHONE:		2156465405

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PRIVATE CAPITAL MANAGEMENT
		CENTRAL INDEX KEY:			0000897226
		STANDARD INDUSTRIAL CLASSIFICATION:	UNKNOWN SIC - 0000 [0000]
		IRS NUMBER:				593654603
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		SC 13G/A

	BUSINESS ADDRESS:	
		STREET 1:		8889 PELICAN BAY BLVD
		STREET 2:		STE 500
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34108
		BUSINESS PHONE:		9412542525

	MAIL ADDRESS:	
		STREET 1:		8889 PELICAN BAY BLVD
		STREET 2:		STE 500
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34108

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PRIVATE CAPITAL MANAGEMENT INC /FL
		DATE OF NAME CHANGE:	19950223
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13G/A
<SEQUENCE>1
<FILENAME>wgbc1003.txt
<TEXT>
From: Fernandez, Victor
Sent: Monday, November 10, 2003 4:36 PM
To: Gabauer, Jason
Subject: 13G file



</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----