SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                ----------------

                                  SCHEDULE 13G
                                 (Rule 13d-102)
                                ----------------

    INFORMATION TO BE INCLUDED IN STATEMENTS PURSUANT TO RULES 13d-1(b), (c)
             AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO 13d-2
                    UNDER THE SECURITIES EXCHANGE ACT OF 1934
                               (Amendment No. 1)*


                        Willis Lease Finance Corporation
                                (Name of Issuer)

                          Common Stock, $0.01 par value
                         (Title of Class of Securities)

                                    970646105
                                 (CUSIP Number)

                                December 31, 2002
             (Date of Event Which Requires Filing of this Statement)


     Check the appropriate box to designate the rule pursuant to which this
Schedule is filed:
     [ ]  Rule 13d-1(b)
     [X]  Rule 13d-1(c)
     [ ]  Rule 13d-1(d)

-----------

     * The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of
securities, and for any subsequent amendment containing information which would
alter the disclosures provided in a prior cover page.


     The information required in the remainder of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities Exchange
Act of 1934 ("Act") or otherwise subject to the liabilities of that section of
the Act but shall be subject to all other provisions of the Act (however, see
the Notes).






CUSIP No. 970646105                   13G                  Page 2 of 18 Pages

-----------------------------------------------------------------------------
     (1)  NAME OF REPORTING PERSON
          S.S. OR I.R.S. IDENTIFICATION NO.
          OF ABOVE PERSON
                                             Endicott Partners, L.P.
-----------------------------------------------------------------------------
     (2)  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                                    (a) [x]
                                                                    (b) [ ]
-----------------------------------------------------------------------------
     (3)  SEC USE ONLY

-----------------------------------------------------------------------------
     (4)       CITIZENSHIP OR PLACE OF ORGANIZATION
                                                Delaware
-----------------------------------------------------------------------------

NUMBER OF      (5)  SOLE VOTING POWER
                                                175,500
SHARES         --------------------------------------------------------------

BENEFICIALLY   (6)  SHARED VOTING POWER
                                                0
OWNED BY       --------------------------------------------------------------

EACH           (7)  SOLE DISPOSITIVE POWER
                                                175,500
REPORTING      --------------------------------------------------------------

PERSON WITH    (8)  SHARED DISPOSITIVE POWER
                                                0
-----------------------------------------------------------------------------
     (9)  AGGREGATE AMOUNT BENEFICIALLY OWNED
          BY EACH REPORTING PERSON
                                                175,500
-----------------------------------------------------------------------------
    (10)  CHECK BOX IF THE AGGREGATE AMOUNT
          IN ROW (9) EXCLUDES CERTAIN SHARES                             [ ]
-----------------------------------------------------------------------------
    (11)  PERCENT OF CLASS REPRESENTED
          BY AMOUNT IN ROW (9)
                                                2.0%
-----------------------------------------------------------------------------
    (12)  TYPE OF REPORTING PERSON
                                                PN
-----------------------------------------------------------------------------




CUSIP No. 970646105                   13G                  Page 3 of 18 Pages

-----------------------------------------------------------------------------
     (1) NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO.
         OF ABOVE PERSON
                                           Endicott Partners II, L.P.
-----------------------------------------------------------------------------
     (2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                                    (a) [x]
                                                                    (b) [ ]
-----------------------------------------------------------------------------
     (3) SEC USE ONLY

-----------------------------------------------------------------------------
     (4) CITIZENSHIP OR PLACE OF ORGANIZATION
                                           Delaware
-----------------------------------------------------------------------------

NUMBER OF      (5)  SOLE VOTING POWER
                                           223,500
SHARES         --------------------------------------------------------------

BENEFICIALLY   (6)  SHARED VOTING POWER
                                           0
OWNED BY       --------------------------------------------------------------

EACH           (7)  SOLE DISPOSITIVE POWER
                                           223,500
REPORTING      --------------------------------------------------------------

PERSON WITH    (8)  SHARED DISPOSITIVE POWER
                                           0
-----------------------------------------------------------------------------
     (9)  AGGREGATE AMOUNT BENEFICIALLY OWNED
          BY EACH REPORTING PERSON
                                           223,500
-----------------------------------------------------------------------------
    (10)  CHECK BOX IF THE AGGREGATE AMOUNT
          IN ROW (9) EXCLUDES CERTAIN SHARES                             [ ]
-----------------------------------------------------------------------------
    (11)  PERCENT OF CLASS REPRESENTED
          BY AMOUNT IN ROW (9)
                                           2.5%
-----------------------------------------------------------------------------
    (12)  TYPE OF REPORTING PERSON
                                           PN
-----------------------------------------------------------------------------




CUSIP No. 970646105                   13G                  Page 4 of 18 Pages

-----------------------------------------------------------------------------
     (1)  NAME OF REPORTING PERSON
          S.S. OR I.R.S. IDENTIFICATION NO.
          OF ABOVE PERSON
                                        Endicott Offshore Investors, Ltd.
-----------------------------------------------------------------------------
     (2)  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                                    (a) [x]
                                                                    (b) [ ]
-----------------------------------------------------------------------------
     (3)  SEC USE ONLY

-----------------------------------------------------------------------------
     (4)  CITIZENSHIP OR PLACE OF ORGANIZATION
                                           British Virgin Islands
-----------------------------------------------------------------------------

NUMBER OF      (5)  SOLE VOTING POWER
                                           189,725
SHARES         --------------------------------------------------------------

BENEFICIALLY   (6)  SHARED VOTING POWER
                                           0
OWNED BY       --------------------------------------------------------------

EACH           (7)  SOLE DISPOSITIVE POWER
                                           189,725
REPORTING      --------------------------------------------------------------

PERSON WITH    (8)  SHARED DISPOSITIVE POWER
                                           0
-----------------------------------------------------------------------------
     (9)  AGGREGATE AMOUNT BENEFICIALLY OWNED
          BY EACH REPORTING PERSON
                                           189,725
-----------------------------------------------------------------------------
    (10)  CHECK BOX IF THE AGGREGATE AMOUNT
          IN ROW (9) EXCLUDES CERTAIN SHARES                             [ ]
-----------------------------------------------------------------------------
    (11)  PERCENT OF CLASS REPRESENTED
          BY AMOUNT IN ROW (9)
                                           2.2%
-----------------------------------------------------------------------------
    (12)  TYPE OF REPORTING PERSON
                                           CO
-----------------------------------------------------------------------------




CUSIP No. 970646105                   13G                  Page 5 of 18 Pages

-----------------------------------------------------------------------------
     (1)  NAME OF REPORTING PERSON
          S.S. OR I.R.S. IDENTIFICATION NO.
          OF ABOVE PERSON
                                               W.R. Endicott, L.L.C.
-----------------------------------------------------------------------------
     (2)  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                                    (a) [x]
                                                                    (b) [ ]
-----------------------------------------------------------------------------
     (3)  SEC USE ONLY

-----------------------------------------------------------------------------
     (4)  CITIZENSHIP OR PLACE OF ORGANIZATION
                                          Delaware
-----------------------------------------------------------------------------

NUMBER OF      (5)  SOLE VOTING POWER
                                          175,500
SHARES         --------------------------------------------------------------

BENEFICIALLY   (6)  SHARED VOTING POWER
                                          0
OWNED BY       --------------------------------------------------------------

EACH           (7)  SOLE DISPOSITIVE POWER
                                          175,500
REPORTING      --------------------------------------------------------------

PERSON WITH    (8)  SHARED DISPOSITIVE POWER
                                          0
-----------------------------------------------------------------------------
     (9)  AGGREGATE AMOUNT BENEFICIALLY OWNED
          BY EACH REPORTING PERSON
                                          175,500
-----------------------------------------------------------------------------
    (10)  CHECK BOX IF THE AGGREGATE AMOUNT
          IN ROW (9) EXCLUDES CERTAIN SHARES                             [ ]
-----------------------------------------------------------------------------
    (11)  PERCENT OF CLASS REPRESENTED
          BY AMOUNT IN ROW (9)
                                          2.0%
-----------------------------------------------------------------------------
    (12)  TYPE OF REPORTING PERSON
                                          OO
-----------------------------------------------------------------------------



CUSIP No. 970646105                   13G                  Page 6 of 18 Pages

-----------------------------------------------------------------------------
     (1)  NAME OF REPORTING PERSON
          S.S. OR I.R.S. IDENTIFICATION NO.
          OF ABOVE PERSON
                                       W.R. Endicott II, L.L.C.
-----------------------------------------------------------------------------
     (2)  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                                    (a) [x]
                                                                    (b) [ ]
-----------------------------------------------------------------------------
     (3)  SEC USE ONLY

-----------------------------------------------------------------------------
     (4)  CITIZENSHIP OR PLACE OF ORGANIZATION
                                           Delaware
-----------------------------------------------------------------------------

NUMBER OF      (5)  SOLE VOTING POWER
                                           223,500
SHARES         --------------------------------------------------------------

BENEFICIALLY   (6)  SHARED VOTING POWER
                                           0
OWNED BY       --------------------------------------------------------------

EACH           (7)  SOLE DISPOSITIVE POWER
                                           223,500
REPORTING      --------------------------------------------------------------

PERSON WITH    (8)  SHARED DISPOSITIVE POWER
                                           0
-----------------------------------------------------------------------------
     (9)  AGGREGATE AMOUNT BENEFICIALLY OWNED
          BY EACH REPORTING PERSON
                                           223,500
-----------------------------------------------------------------------------
    (10)  CHECK BOX IF THE AGGREGATE AMOUNT
          IN ROW (9) EXCLUDES CERTAIN SHARES                             [ ]
-----------------------------------------------------------------------------
    (11)  PERCENT OF CLASS REPRESENTED
          BY AMOUNT IN ROW (9)
                                           2.5%
-----------------------------------------------------------------------------
    (12)  TYPE OF REPORTING PERSON
                                           OO
-----------------------------------------------------------------------------




CUSIP No. 970646105                   13G                  Page 7 of 18 Pages

-----------------------------------------------------------------------------
     (1)  NAME OF REPORTING PERSON
          S.S. OR I.R.S. IDENTIFICATION NO.
          OF ABOVE PERSON
                                       Endicott Management Company
-----------------------------------------------------------------------------
     (2)  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                                    (a) [x]
                                                                    (b) [ ]
-----------------------------------------------------------------------------
     (3)  SEC USE ONLY

-----------------------------------------------------------------------------
     (4)  CITIZENSHIP OR PLACE OF ORGANIZATION
                                           Delaware
-----------------------------------------------------------------------------

NUMBER OF      (5)  SOLE VOTING POWER
                                           245,800
SHARES         --------------------------------------------------------------

BENEFICIALLY   (6)  SHARED VOTING POWER
                                           0
OWNED BY       --------------------------------------------------------------

EACH           (7)  SOLE DISPOSITIVE POWER
                                           245,800
REPORTING      --------------------------------------------------------------

PERSON WITH    (8)  SHARED DISPOSITIVE POWER
                                           0
-----------------------------------------------------------------------------
     (9)  AGGREGATE AMOUNT BENEFICIALLY OWNED
          BY EACH REPORTING PERSON
                                           245,800
-----------------------------------------------------------------------------
    (10)  CHECK BOX IF THE AGGREGATE AMOUNT
          IN ROW (9) EXCLUDES CERTAIN SHARES                             [ ]
-----------------------------------------------------------------------------
    (11)  PERCENT OF CLASS REPRESENTED
          BY AMOUNT IN ROW (9)
                                           2.8%
-----------------------------------------------------------------------------
    (12)  TYPE OF REPORTING PERSON
                                           CO
-----------------------------------------------------------------------------




CUSIP No. 970646105                   13G                  Page 8 of 18 Pages

-----------------------------------------------------------------------------
     (1)  NAME OF REPORTING PERSON
          S.S. OR I.R.S. IDENTIFICATION NO.
          OF ABOVE PERSON
                                          Wayne K. Goldstein
                                          (in the capacity described herein)
-----------------------------------------------------------------------------
     (2)  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                                    (a) [x]
                                                                    (b) [ ]
-----------------------------------------------------------------------------
     (3)  SEC USE ONLY

-----------------------------------------------------------------------------
     (4)  CITIZENSHIP OR PLACE OF ORGANIZATION
                                           United States
-----------------------------------------------------------------------------

NUMBER OF      (5)  SOLE VOTING POWER
                                           0
SHARES         --------------------------------------------------------------

BENEFICIALLY   (6)  SHARED VOTING POWER
                                           644,800
OWNED BY       --------------------------------------------------------------

EACH           (7)  SOLE DISPOSITIVE POWER
                                           0
REPORTING      --------------------------------------------------------------

PERSON WITH    (8)  SHARED DISPOSITIVE POWER
                                           644,800
-----------------------------------------------------------------------------
     (9)  AGGREGATE AMOUNT BENEFICIALLY OWNED
          BY EACH REPORTING PERSON
                                           644,800
-----------------------------------------------------------------------------
    (10)  CHECK BOX IF THE AGGREGATE AMOUNT
          IN ROW (9) EXCLUDES CERTAIN SHARES                             [ ]
-----------------------------------------------------------------------------
    (11)  PERCENT OF CLASS REPRESENTED
          BY AMOUNT IN ROW (9)
                                           7.3%
-----------------------------------------------------------------------------
    (12)  TYPE OF REPORTING PERSON
                                           IN
-----------------------------------------------------------------------------




CUSIP No. 970646105                   13G                  Page 9 of 18 Pages

-----------------------------------------------------------------------------
     (1)  NAME OF REPORTING PERSON
          S.S. OR I.R.S. IDENTIFICATION NO.
          OF ABOVE PERSON
                                        Robert I. Usdan
                                        (in the capacity described herein)
-----------------------------------------------------------------------------
     (2)  CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
                                                                    (a) [x]
                                                                    (b) [ ]
-----------------------------------------------------------------------------
     (3)  SEC USE ONLY

-----------------------------------------------------------------------------
     (4)  CITIZENSHIP OR PLACE OF ORGANIZATION
                                            United States
-----------------------------------------------------------------------------

NUMBER OF      (5)  SOLE VOTING POWER
                                            0
SHARES         --------------------------------------------------------------

BENEFICIALLY   (6)  SHARED VOTING POWER
                                            644,800
OWNED BY       --------------------------------------------------------------

EACH           (7)  SOLE DISPOSITIVE POWER
                                            0
REPORTING      --------------------------------------------------------------

PERSON WITH    (8)  SHARED DISPOSITIVE POWER
                                            644,800
-----------------------------------------------------------------------------
     (9)  AGGREGATE AMOUNT BENEFICIALLY OWNED
          BY EACH REPORTING PERSON
                                            644,800
-----------------------------------------------------------------------------
    (10)  CHECK BOX IF THE AGGREGATE AMOUNT
          IN ROW (9) EXCLUDES CERTAIN SHARES                             [ ]
-----------------------------------------------------------------------------
    (11)  PERCENT OF CLASS REPRESENTED
          BY AMOUNT IN ROW (9)
                                            7.3%
-----------------------------------------------------------------------------
    (12)  TYPE OF REPORTING PERSON
                                            IN
-----------------------------------------------------------------------------




CUSIP No. 970646105                   13G                 Page 10 of 18 Pages

         The Schedule 13G filed on June 3, 2002 is hereby amended and restated
by this Amendment No. #1 to the Schedule 13G.

ITEM 1(a).  NAME OF ISSUER:
                Willis Lease Finance Corporation.

ITEM 1(b).  ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:
                2320 Marinship Way, Suite 300, Sausalito, CA 94965

ITEM 2(a).  NAME OF PERSON FILING:
            (i)   Endicott Partners, L.P., a Delaware limited partnership
                  ("EPLP");
            (ii)  Endicott Partners II, L.P., a Delaware limited partnership
                  ("EPII");
            (iii) Endicott Offshore Investors, Ltd., a British Virgin Islands
                  international business company ("EOI");
            (iv)  W.R. Endicott, L.L.C., a Delaware limited liability company
                  ("WRE LLC") and general partner of EPLP;
            (v)   W.R. Endicott II, L.L.C., a Delaware limited liability
                  company ("WRE II LLC") and general partner of EPII;
            (vi)  Endicott Management Company, a Delaware corporation ("Endicott
                  Management") and advisor to EOI and two managed accounts;
            (vii) Wayne K. Goldstein ("Mr. Goldstein"), a Managing Member of
                  WRE LLC and WRE II LLC and Co-President of Endicott
                  Management; and
            (viii)Robert I. Usdan ("Mr. Usdan"), a Managing Member of WRE LLC
                  and WRE II LLC and Co-President of Endicott Management.

ITEM 2(b).  ADDRESS OF PRINCIPAL OFFICE OR, IF NONE, RESIDENCE:

            The address of the principal business offices of each of: (i) EPLP;
(ii) EPII; (iii) WRE LLC; (iv) WRE II LLC; (v) Endicott Management; (vi) Mr.
Goldstein; and (vii) Mr. Usdan is 237 Park Avenue, Suite 801, New York, New York
10017.

            The address of the principal business offices of EOI is c/o Trident
Fund Services (B.V.I.) Ltd., Wickhams Cay, P.O. Box 146, Road Town, Tortola,
British Virgin Islands.

ITEM 2(c).  CITIZENSHIP:
            EPLP - a Delaware limited partnership
            EPII - a Delaware limited partnership
            EOI - a British Virgin Islands international business company
            WRE LLC - a Delaware limited liability company
            WRE II LLC - a Delaware limited liability company
            Endicott Management - a Delaware corporation
            Mr. Goldstein - United States
            Mr. Usdan - United States

ITEM 2(d).  TITLE OF CLASS OF SECURITIES:
                 Common Stock, $0.01 par value

ITEM 2(e).  CUSIP NUMBER:
                 970646105




CUSIP No. 970646105                   13G                 Page 11 of 18 Pages


ITEM 3. If this statement is filed pursuant to Rules 13d-1(b) or 13d-2(b) or
(c), check whether the person filing is a:

          (a) [ ] Broker or dealer registered under Section 15 of the Act,

          (b) [ ] Bank as defined in Section 3(a)(6) of the Act,

          (c) [ ] Insurance Company as defined in Section 3(a)(19) of the
                  Act,

          (d) [ ] Investment Company registered under Section 8 of the
                  Investment Company Act of 1940,

          (e) [ ] Investment Adviser in accordance with Rule 13d-1
                  (b)(1)(ii)(E),

          (f) [ ] Employee Benefit Plan or Endowment Fund in accordance
                  with Rule 13d-1 (b)(1)(ii)(F),

          (g) [ ] Parent Holding Company or control person in accordance
                  with Rule 13d-1 (b)(1)(ii)(G),

          (h) [ ] Savings Association as defined in Section 3(b) of the
                  Federal Deposit Insurance Act,

          (i) [ ] Church Plan that is excluded from the definition of an
                  investment company under Section 3(c)(14) of the Investment
                  Company Act of 1940,

          (j) [ ] Group, in accordance with Rule 13d-1(b)(1)(ii)(J).

     If this statement is filed pursuant to 13d-1(c), check this box:  [x]




CUSIP No. 970646105                   13G                 Page 12 of 18 Pages


ITEM 4.   OWNERSHIP.

          (a) Amount Beneficially Owned:
              -------------------------

               EPLP may be deemed to beneficially own 175,500 Shares. EPII may
be deemed to beneficially own 223,500 Shares. EOI may be deemed to beneficially
own 189,725 Shares.

               WRE LLC may be deemed to beneficially own 175,500 Shares as a
result of its voting and dispositive power over the 175,500 Shares held by EPLP.
WRE II LLC may be deemed to beneficially own 223,500 Shares as a result of its
voting and dispositive power over the 223,500 Shares held by EPII.

               Endicott Management may be deemed to beneficially own 245,800
Shares as a result of its voting and dispositive power over: (i) the 189,725
Shares held by EOI; and (ii) the 56,075 Shares held by two managed accounts.

               Messrs. Goldstein and Usdan may each be deemed to beneficially
own 644,800 Shares by virtue of their ultimate voting and dispositive power
over: (i) the 175,500 Shares held by EPLP; (ii) the 223,500 Shares held by EPII;
(iii) the 189,725 Shares held by EOI; and (iv) the 56,075 Shares held by the two
managed accounts.

          (b) Percentage Beneficially Owned:
              -----------------------------

              Based on calculations made in accordance with Rule 13d-3(d), and
there being 8,833,978 Shares outstanding (as of November 5, 2002 disclosed in
Form 10-Q filed November 14, 2002): (i) EPLP may be deemed to beneficially own
approximately 2.0% of the outstanding Shares; (ii) EPII may be deemed to
beneficially own approximately 2.5% of the outstanding Shares; (iii) EOI may be
deemed to beneficially own approximately 2.2% of the outstanding Shares; (iv)
WRE LLC may be deemed to beneficially own approximately 2.0% of the outstanding
Shares; (v) WRE II LLC may be deemed to beneficially own approximately 2.5% of
the outstanding Shares; (vi) Endicott Management may be deemed to beneficially
own approximately 2.8% of the outstanding Shares; (vii) Mr. Goldstein may be
deemed to beneficially own approximately 7.3% of the outstanding Shares; and
(viii) Mr. Usdan may be deemed to beneficially own approximately 7.3% of the
outstanding Shares.

           (c) Number of Shares as to Which Such Person Has:
               --------------------------------------------

               (i) EPLP may be deemed to have sole power to direct the voting
and disposition of the 175,500 Shares it beneficially owns. EPII may be deemed
to have sole power to direct the voting and disposition of the 223,500 Shares it
beneficially owns. EOI may be deemed to have sole power to direct the voting and
disposition of the 189,725 Shares it beneficially owns. WRE LLC may be deemed to
have sole power to direct the voting and disposition of the 175,500 Shares it
beneficially owns by virtue of the relationships



CUSIP No. 970646105                   13G                 Page 13 of 18 Pages

described in Item 2. WRE II LLC may be deemed to have sole power to direct the
voting and disposition of the 223,500 Shares it beneficially owns by virtue of
the relationships described in Item 2. Endicott Management may be deemed to have
sole voting power to direct the voting and disposition of the 245,800 Shares it
beneficially owns by virtue of the relationships described in Item 2.

               (ii) By virtue of the relationships between and among the
Reporting Persons as described in Item 2, each of Messrs. Goldstein and Usdan,
may be deemed to share the power to direct the voting and disposition of 644,800
Shares.

ITEM 5.   OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
          Not applicable.

ITEM 6.   OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON.

          The limited partners and the general partner of EPLP and EPII and the
shareholders and advisor of EOI and the shareholders of two managed accounts
have the right to participate in the receipt of dividends from, or proceeds from
the sale of, the securities held for the account of EPLP, EPII, EOI and the two
managed accounts in accordance with their ownership interests in such entities.

ITEM 7.   IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED
          THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY.
          Not applicable.

ITEM 8.   IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP.
          See Item 2.

ITEM 9.   NOTICE OF DISSOLUTION OF GROUP.
          Not applicable.

ITEM 10.  CERTIFICATION.

          By signing below we certify that, to the best of our knowledge and
belief, the securities referred to above were not acquired and are not held for
the purpose of or with the effect of changing or influencing the control of the
issuer of the securities and were not acquired and not held in connection with
or as a participant in any transaction having that purpose or effect.




CUSIP No. 970646105                   13G                 Page 14 of 18 Pages


                                   SIGNATURES

           After reasonable inquiry and to the best of our knowledge and belief,
the undersigned certify that the information set forth in this statement is
true, complete and correct.

DATED:  February 14, 2003


                                            ENDICOTT PARTNERS, L.P.

                                            By:      W.R. Endicott, L.L.C.,
                                                     its general partner


                                            By:      /s/ Wayne K. Goldstein
                                                     -------------------------
                                                     Name:  Wayne K. Goldstein
                                                     Title: Managing Member


                                            ENDICOTT PARTNERS II, L.P.

                                            By:      W.R. Endicott II, L.L.C.,
                                                     its general partner


                                            By:      /s/ Wayne K. Goldstein
                                                     -------------------------
                                                     Name:  Wayne K. Goldstein
                                                     Title: Managing Member

                                            W.R. ENDICOTT, L.L.C.


                                            By:      /s/ Wayne K. Goldstein
                                                     -------------------------
                                                     Name:  Wayne K. Goldstein
                                                     Title: Managing Member

                                            W.R. ENDICOTT II, L.L.C.


                                            By:      /s/ Wayne K. Goldstein
                                                     -------------------------
                                                     Name:  Wayne K. Goldstein
                                                     Title: Managing Member


                                            ENDICOTT OFFSHORE INVESTORS, LTD.


                                            By:      /s/ Robert I. Usdan
                                                     -------------------------
                                                     Name: Robert I. Usdan
                                                     Title: Director





CUSIP No. 970646105                   13G                 Page 15 of 18 Pages


                                            ENDICOTT MANAGEMENT COMPANY

                                            By:      /s/ Wayne K. Goldstein
                                                     -------------------------
                                                     Name:  Wayne K. Goldstein
                                                     Title: Co-President



                                            /s/ Wayne K. Goldstein
                                            ----------------------
                                            Wayne K. Goldstein


                                            /s/ Robert I. Usdan
                                            ----------------------
                                            Robert I. Usdan





CUSIP No. 970646105                   13G                 Page 16 of 18 Pages


                                  EXHIBIT INDEX
                                  -------------

Exhibit 1.  Joint Filing Agreement as required by Rule 13d-1(k)(1) under the
            Securities Exchange Act of 1934, as amended.




CUSIP No. 970646105                   13G                 Page 17 of 18 Pages

                                                                      EXHIBIT 1


               JOINT FILING AGREEMENT PURSUANT TO RULE 13d-1(k)(1)

            The undersigned acknowledge and agree that the foregoing statement
on Schedule 13G is filed on behalf of each of the undersigned and that all
subsequent amendments to this statement on Schedule 13G shall be filed on behalf
of each of the undersigned without the necessity of filing additional joint
filing statements. The undersigned acknowledge that each shall be responsible
for the timely filing of such amendments, and for the completeness and accuracy
of the information concerning him, her or it contained herein, but shall not be
responsible for the completeness and accuracy of the information concerning the
other entities or persons, except to the extent that he, she or it knows or has
reason to believe that such information is inaccurate.

Dated as of February 14, 2003

                                            ENDICOTT PARTNERS, L.P.

                                            By:      W.R. Endicott, L.L.C.,
                                                     its general partner


                                            By:      /s/ Wayne K. Goldstein
                                                     -----------------------
                                                     Name:  Wayne K. Goldstein
                                                     Title: Managing Member


                                            ENDICOTT PARTNERS II, L.P.

                                            By:      W.R. Endicott II, L.L.C.,
                                                     its general partner


                                            By:      /s/ Wayne K. Goldstein
                                                     -----------------------
                                                     Name:  Wayne K. Goldstein
                                                     Title: Managing Member

                                            W.R. ENDICOTT, L.L.C.


                                            By:      /s/ Wayne K. Goldstein
                                                     -----------------------
                                                     Name:  Wayne K. Goldstein
                                                     Title: Managing Member


                                            W.R. ENDICOTT II, L.L.C.


                                            By:      /s/ Wayne K. Goldstein
                                                     -----------------------
                                                     Name:  Wayne K. Goldstein
                                                     Title: Managing Member




CUSIP No. 970646105                   13G                 Page 18 of 18 Pages



                                            ENDICOTT OFFSHORE INVESTORS, LTD.

                                            By:      /s/ Robert I. Usdan
                                                     -----------------------
                                                     Name:  Robert I. Usdan
                                                     Title: Director

                                            ENDICOTT MANAGEMENT COMPANY


                                            By:      /s/ Wayne K. Goldstein
                                                     -----------------------
                                                     Name:  Wayne K. Goldstein
                                                     Title: Co-President


                                            /s/ Wayne K. Goldstein
                                            ----------------------
                                            Wayne K. Goldstein


                                            /s/ Robert I. Usdan
                                            -------------------
                                            Robert I. Usdan