Steven T. Sabatini

STEVEN T. SABATINI is a Senior Executive Vice President and Chief
Financial Officer of U.S.B. Holding Co., Inc. and Union State Bank, and
a Director of U.S.B. Holding Co., Inc. Mr. Sabatini joined Union State
Bank in September 1994 as Assistant to the Chairman for acquisitions and
other special projects. In March 1995, he was appointed Executive Vice
President and Chief Financial Officer of U.S.B. Holding Co., Inc. and
Union State Bank. In August 1997, Mr. Sabatini was promoted to Senior
Executive Vice President and Chief Financial Officer of the Bank and
company. He was appointed to the Board of Directors of U.S.B. Holding
Co., Inc. on October 25, 2001. Prior to joining Union State Bank, Mr.
Sabatini was an Audit Partner at Ernst & Young LLP, where he specialized
in the banking industry. Mr. Sabatini is a member of the American
Institute of Certified Public Accountants and New York State Society of
Certified Public Accounts, where he served as Chairman of several
committees. He is also a member of the Bank Administration Institute and
Financial Executives Institute and a member of the Tax Committee of the
New York State Bankers Association and Accounting Committee of the
American Bankers Association. He is the President of the Board of
Directors of the Epilepsy Foundation of Southern New York, a Director of
the Hudson Valley Affordable Housing Finance Corporation and serves on
various subsidiary Boards of U.S.B. Holding Co., Inc. and Union State
Bank. Mr. Sabatini received his BS degree in Accounting from St. John’s
University in 1973 and is a CPA.