X0201 42003-12-31 0000830257 BSB BANCORP INC BSBN 0001034190 JOHNSON DOUGLAS R 58-68 EXCHANGE STREET BINGHAMTON NY 13901 0100Senior VP and Senior Trust OffIncentive Stock Option-Right-to-Buy39.502003-12-314A089039.50A2013-12-31Common890890DStock Option39.502003-12-314A0838239.50A2013-12-31Common83828382DOption subject to vesting as follows: as of 12/31/07, 100%.Not ISO as defined in Section 422 of IRS Code of 1986, as amended.Option subject to vesting as follows: as of 12/31/04, 27.654%; as of 12/31/05, 55.309%; as of 12/31/06, 82.963%; as of 12/31/07, 100%.Larry G. Denniston, Attorney-in-Fact2004-01-06