S&T Bancorp, Inc. Consolidated Selected Financial Data June 30, 2004 (Dollars in thousands, except per share data)																Page 1 of 3
																	2003								2004				Six Months Ended
																	March		June		September		December		March		June		June		June
															For the period:		1Q		2Q		3Q		4Q		1Q		2Q		2004		2003
															Interest Income		$39,318		$38,722		$36,909		$36,511		35,596		36,239		71,835		78,040
Interest Expense		12,924		12,380		11,439		10,323		9,506		9,548		19,054		25,304
Net Interest Income		26,394		26,342		25,470		26,188		26,090		26,691		52,781		52,736
Taxable Equivalent Adjustment		999		829		915		930		920		924		1,844		1,828
Net Interest Income (FTE)		27,393		27,171		26,385		27,118		27,010		27,615		54,625		54,564
Provision For Loan Losses		2,400		1,900		1,500		1,500		1,500		1,900		3,400		4,300
Net Interest Income
After Provisions (FTE)		24,993		25,271		24,885		25,618		25,510		25,715		51,225		50,264
Security Gains, Net		1,005		1,206		1,099		4,748		1,520		1,708		3,228		2,211
Service Charges and Fees		2,192		2,268		2,335		2,457		2,232		2,359		4,591		4,460
Wealth Management		1,295		1,429		1,326		1,360		1,517		1,525		3,042		2,724
Insurance		1,059		1,017		1,071		1,130		1,076		1,115		2,191		2,076
Other		2,162		1,645		3,426		1,974		2,048		2,474		4,522		3,807
Total Other Income		6,708		6,359		8,158		6,921		6,873		7,473		14,346		13,067
Salaries and Employee Benefits		7,581		7,649		8,100		8,215		8,292		8,006		16,298		15,230
Occupancy and Equip. Expense, Net		1,837		1,754		1,556		1,660		1,720		1,710		3,430		3,591
Data Processing Expense		822		811		956		877		999		975		1,974		1,633
FDIC Expense		81		76		76		72		73		74		147		157
Other		3,861		3,698		4,011		6,965		3,653		4,047		7,700		7,559
Total Other Expense		14,182		13,988		14,699		17,789		14,737		14,812		29,549		28,170
Income Before Taxes		18,524		18,848		19,443		19,498		19,166		20,084		39,250		37,372
Taxable Equivalent Adjustment		999		829		915		930		920		924		1,844		1,828
Applicable Income Taxes		4,987		5,243		5,251		5,382		5,290		5,588		10,878		10,230
Net Income		$12,538		$12,776		$13,277		$13,186		$12,956		$13,572		$26,528		$25,314
Per Common Share Data:
Shares Outstanding at End of Period		26,323,013		26,383,419		26,483,219		26,652,411		26,619,399		26,261,769		26,261,769		26,383,419
Average Shares Outstanding - Diluted		26,722,098		26,613,859		26,711,496		26,846,050		26,950,542		26,644,177		26,797,359		26,667,535
Net Income - Diluted		$0.47		$0.48		$0.50		$0.49		$0.48		$0.51		$0.99		$0.95
Dividends Declared		$0.25		$0.25		$0.26		$0.26		$0.26		$0.27		$0.53		$0.50
Book Value		$11.56		$12.10		$12.12		$12.48		$12.74		$12.25		$12.25		$12.10
Market Value		$25.57		$27.44		$28.50		$29.80		$30.06		$31.98		$31.98		$27.44

S&T Bancorp, Inc. Consolidated Selected Financial Data June 30, 2004 (Dollars in thousands)												Page 2 of 3
													2003								2004
													March		June		September		December		March		June
											Asset Quality Data		1Q		2Q		3Q		4Q		1Q		2Q
											Nonaccrual Loans and Nonperforming Loans		$10,828		$8,557		$9,656		$9,120		$12,465		$13,514
Assets acquired through foreclosure      or repossession		2,362		2,327		2,420		2,363		2,287		521
Nonperforming Assets		13,190		10,884		12,076		11,483		14,752		14,035
Allowance for Loan Losses		29,837		31,483		31,714		31,478		32,658		32,792
Nonperforming Loans / Loans		0.53%		0.42%		0.47%		0.43%		0.57%		0.60%
Allowance for Loan Losses / Loans		1.47%		1.55%		1.54%		1.50%		1.50%		1.46%
Allowance for Loan Losses /      Nonperforming Loans		276%		368%		328%		345%		262%		243%
Net Loan Charge-offs		2,701		254		1,269		1,736		320		1,765
Net Loan Charge-offs (annualized) /      Average Loans		0.55%		0.05%		0.25%		0.33%		0.06%		0.32%
Balance Sheet (Period-End)
Assets		$2,855,658		$2,915,039		$2,858,678		$2,900,272		$2,656,404		$3,006,203
Earning Assets		2,665,433		2,721,743		2,681,074		2,711,702		2,776,693		2,823,231
Securities		641,206		688,315		625,872		611,083		592,761		576,612
Loans, Gross		2,024,227		2,033,428		2,055,202		2,100,620		2,183,931		2,246,619
Total Deposits		1,947,249		1,927,035		1,937,201		1,962,253		1,977,330		1,976,340
Non-Interest Bearing Deposits		344,010		354,701		371,413		382,364		382,110		376,471
NOW, Money Market & Savings		781,690		786,225		778,985		766,031		756,965		742,582
CD's $100,000 and over		167,170		148,200		147,697		162,925		176,512		187,574
Other Time Deposits		654,380		637,909		639,106		650,933		661,743		669,713
Short-term borrowings		302,680		339,930		327,824		432,020		463,000		542,598
Long-term Debt		242,191		267,195		217,192		116,891		116,890		116,894
Shareholder's Equity		304,312		319,342		320,936		332,718		339,095		321,625
Balance Sheet (Daily Averages)
Assets		$2,823,664		$2,850,083		$2,888,415		$2,854,065		$2,908,794		$2,979,134
Earning Assets		2,644,725		2,669,664		2,702,768		2,678,336		2,732,315		2,798,943
Securities		636,110		646,589		658,505		616,146		597,845		583,192
Loans, Gross		2,008,616		2,023,006		2,044,174		2,062,191		2,134,470		2,215,751
Deposits		1,916,768		1,921,525		1,927,257		1,925,773		1,955,025		1,982,751
Shareholder's Equity		310,165		316,613		320,116		328,821		341,835		330,474

S&T Bancorp, Inc. Consolidated Selected Financial Data June 30, 2004 (Dollars in thousands, except per share data)																Page 3 of 3
															2003								2004			Year-to-date
															March		June		September		December		March		June		June		June
													Profitability Ratios (annualized)		1Q		2Q		3Q		4Q		1Q		2Q		2004		2003
													Return on Average Assets		1.80%		1.80%		1.82%		1.83%		1.79%		1.83%		1.81%		1.80%
Return on Average Shareholder's Equity		16.39%		16.18%		16.46%		15.91%		15.24%		16.52%		15.87%		16.29%
Yield on Earning Assets (FTE)		6.20%		5.96%		5.57%		5.56%		5.39%		5.35%		5.37%		6.08%
Cost of Interest Bearing Funds		2.49%		2.35%		2.14%		1.95%		1.79%		1.74%		1.77%		2.42%
Net Interest Margin (FTE)(4)		4.20%		4.08%		3.87%		4.02%		3.98%		3.97%		3.97%		4.14%
Efficiency Ratio (FTE)(1)		41.59%		41.72%		42.55%		52.26%		43.49%		42.22%		42.84%		41.65%
Capitalization Ratios
Dividends Paid to Net Income		53.01%		51.65%		49.68%		52.22%		53.48%		51.06%
Shareholder's Equity to Assets (Period End)		10.66%		10.95%		11.23%		11.47%		12.77%		10.70%
Leverage Ratio (2)		8.13%		8.50%		8.67%		9.16%		9.18%		8.80%
Risk Based Capital - Tier I (3)		9.90%		10.11%		10.46%		10.56%		10.59%		10.10%
Risk Based Capital - Tier II (3)		11.56%		11.90%		12.25%		12.39%		12.35%		11.78%
Other Data
Shareholders of Record		3,106		3,125		3,138		3,149		3,164		3,143
Number of Banking Offices		46		46		46		49		49		49
Definitions:
(1) Recurring non-interest expense divided by recurring non-interest income plus net interest income, on a fully taxable equivalent basis. (2) Equity less goodwill to total assets and allowance for loan losses. (3) Effective October 1, 1998, banking regulators require financial institutions to include 45% of the pretax net unrealized holding gains on available for sale equity securities in Tier 2 capital. (4) Net interest income, on a fully taxable equivalent basis, annualized divided by quarter to date average earning assets.