Article: U.S.B. Holding Co., Inc., Parent Company of Union State Bank, Clarifies Realized Gains on Sale Transaction of Available for Sale Investment Securities.

U.S.B. Holding Co., Inc. (the "Company") today clarified that the realized security gains reported in the October 29, 2002 Press Release from the sale of approximately $100.0 million of available for sale investment securities on October 25, 2002 were approximately $3.2 million before income taxes and approximately $1.9 million after income taxes.

Further information on the Company and the Union State Bank can be found on the world wide web at http://www.unionstate.com/ .

Forward-Looking Statements: The Company has made, and may continue to make, various forward-looking statements with respect to earnings, credit quality and other financial and business ...

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