X0202 4 2006-01-06 0 0001163428 WILLOW GROVE BANCORP INC/NEW WGBC 0001213470 KREMP CHARLES F 3RD WELSH & NORRISTOWN ROADS MAPLE GLEN PA 19002 1 0 0 0 Common Stock 2006-01-06 4 A 0 5805 0 A 93448 D Includes the grant of 5,805 shares pursuant to the 2005 Recognition and Retention Plan that vest over three years at 33.33% per year commencing on January 6, 2007 and 5,132 shares held in the 2002 Recognition and Retention Plan Trust allocated to the reporting person that vest in five equal annual installments beginning on the first anniversary of the date of grant. /s/ Charles F. Kremp, 3rd by Mary Rossi as Power of Attorney 2006-01-09