X0202 4 2005-09-12 0 0001163428 WILLOW GROVE BANCORP INC/NEW WGBC 0001259295 CROWLEY JOSEPH T 100 E. LANCASTER AVE. DOWNINGTOWN PA 19335 0 1 0 0 Chief Financial Officer Common Stock 2005-09-12 4 P 0 1435 15.99 A 2251 D Common Stock 154 I By self as custodian for children Common Stock 130 I By Spouse Pursuant to the merger agreement between Willow Grove Bancorp, Inc. (the "Issuer") and Chester Valley Bancorp Inc. ("CVAL") each share of CVAL's common stock was converted into the right to receive either $27.90 in cash or 1.4823 of the Issuer's common stock, subject to the allocation, election and proration provisions of the merger agreement. The 816 shares included herein as directly held and 154 shares held as custodian for his children are subject to change upon completion of the allocation, election, and proration procedures required in the merger agreement. Joseph T. Crowley 2005-09-13