X0201 4/A 2003-12-31 2004-01-06 0000830257 BSB BANCORP INC BSBN 0001034190 JOHNSON DOUGLAS R 58-68 EXCHANGE STREET BINGHAMTON NY 13901 0 1 0 0 Senior VP and Senior Trust Off Incentive Stock Option-Right-to-Buy 39.50 2003-12-31 4 A 0 890 A 2013-12-31 Common 890 890 D Stock Option 39.50 2003-12-31 4 A 0 8382 A 2013-12-31 Common 8382 8382 D Option subject to vesting as follows: as of 12/31/07, 100%. The option is a grant, for no consideration other than service as an Officer. 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-Fact 2004-02-09