X0201 42003-10-15 0001163428 WILLOW GROVE BANCORP INC/NEW WGBC 0001213465 POWERS JOHN T C/O WILLOW GROVE BANK WELSH AND NORRISTOWN ROADS MAPLE GLEN PA 19002 1000Common Stock2003-10-154M05003.97A43418DCommon Stock529IBy ChildrenCommon Stock21248IBy 401(k)Common Stock3966IBy ESOPStock Option (right to buy)3.972003-10-154M05000D2009-10-26Common Stock50024126DStock Option (right to buy)8.332012-01-22Common Stock57005700DStock Option (right to buy)12.792012-11-25Common Stock3250032500DIncludes 28,543 shares held in the 1999 and 2002 Recognition and Retention Plan Trusts allocated to the Reporting Person that vest at 20% per year commencing on the first anniversary of the date of grant.The options vest in five equal annual installments beginning on the first anniversary of the date of grant.John T. Powers2003-10-16