X0202 4 2004-11-26 0001163428 WILLOW GROVE BANCORP INC/NEW WGBC 0001213468 ARRISON JEROME P WELSH AND NORRISTOWN ROADS MAPLE GLEN PA 19002 0 1 0 0 SVP of Subsidiary Common Stock 2004-11-26 4 D 0 712 18.05 D 17360 D Common Stock 4850 I By 401(k)/ESOP Includes 12,322 shares held in the 1999 and 2002 Recognition and Retention Plan Trusts allocated to the Reporting Person and that vest in five equal annual installments beginning on the first anniversary of the date of grant. Senior Vice President Willow Grove Bank (issuer subsidiary) /s/Christopher E. Bell by Power of Attorney 2004-11-29