S&T Bancorp, Inc.																	Page 1 of 3
Consolidated Selected Financial Data
September 30, 2004
(Dollars in thousands except per share data)
	2003								2004
	March		June		September		December		March		June		September		September		September
For the period:	1Q		2Q		3Q		4Q		1Q		2Q		3Q		2004		2003
Interest Income	$39,318		$38,722		$36,909		$36,511		$35,596		$36,239		$37,728		$109,563		$114,949
Interest Expense	12,924		12,380		11,439		10,323		9,506		9,548		10,549		29,603		36,743
Net Interest Income	26,394		26,342		25,470		26,188		26,090		26,691		27,179		79,960		78,206
Taxable Equivalent Adjustment	999		829		915		930		920		924		927		2,769		2,743
Net Interest Income (FTE)	27,393		27,171		26,385		27,118		27,010		27,615		28,106		82,729		80,949
Provision For Loan Losses	2,400		1,900		1,500		1,500		1,500		1,900		1,500		4,900		5,800
Net Interest Income
After Provisions (FTE)	24,993		25,271		24,885		25,618		25,510		25,715		26,606		77,829		75,149
Security Gains, Net	1,005		1,206		1,099		4,748		1,520		1,708		1,144		4,372		3,310
Service Charges and Fees	2,192		2,268		2,335		2,457		2,232		2,359		2,316		6,906		6,795
Wealth Management	1,295		1,429		1,326		1,360		1,517		1,525		1,471		4,513		4,050
Insurance	1,059		1,017		1,071		1,130		1,076		1,115		1,219		3,410		3,147
Other	2,162		1,645		3,426		1,974		2,048		2,474		1,814		6,336		7,233
Total Other Income	6,708		6,359		8,158		6,921		6,873		7,473		6,820		21,165		21,225
Salaries and Employee Benefits	7,581		7,649		8,100		8,215		8,292		8,006		8,438		24,736		23,330
Occupancy and Equip. Expense, Net	1,837		1,754		1,556		1,660		1,720		1,710		1,752		5,181		5,147
Data Processing Expense	822		811		956		877		999		975		956		2,930		2,589
FDIC Expense	81		76		76		72		73		74		72		219		233
Other	3,861		3,698		4,011		6,965		3,653		4,047		3,680		11,379		11,570
Total Other Expense	14,182		13,988		14,699		17,789		14,737		14,812		14,898		44,445		42,869
Income Before Taxes	18,524		18,848		19,443		19,498		19,166		20,084		19,672		58,921		56,815
Taxable Equivalent Adjustment	999		829		915		930		920		924		927		2,769		2,743
Applicable Income Taxes	4,987		5,243		5,251		5,382		5,290		5,588		5,468		16,346		15,481
Net Income	$12,538		$12,776		$13,277		$13,186		$12,956		$13,572		$13,277		$39,806		$38,591
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		26,513,869		26,513,869		26,483,219
Average Shares Outstanding - Diluted	26,722,098		26,613,859		26,711,496		26,846,050		26,950,542		26,644,177		26,709,616		26,767,731		26,682,230
Net Income - Diluted	$0.47		$0.48		$0.50		$0.49		$0.48		$0.51		$0.50		$1.49		$1.45
Dividends Declared	$0.25		$0.25		$0.26		$0.26		$0.26		$0.27		$0.27		$0.80		$0.76
Book Value	$11.56		$12.10		$12.12		$12.48		$12.74		$12.25		$12.77		$12.77		$12.12
Market Value	$25.57		$27.44		$28.50		$29.80		$30.06		$31.98		$35.71		$35.71		$28.50

S&T Bancorp, Inc.													Page 2 of 3
Consolidated Selected Financial Data
September 30, 2004
(Dollars in thousands)
	2003								2004
	March		June		September		December		March		June		September
Asset Quality Data	1Q		2Q		3Q		4Q		1Q		2Q		3Q
Nonaccrual Loans and Nonperforming Loans	$10,828		$8,557		$9,656		$9,120		$12,465		$13,514		$15,895
Assets acquired through foreclosure
or repossession	2,362		2,327		2,420		2,363		2,287		521		2,822
Nonperforming Assets	13,190		10,884		12,076		11,483		14,752		14,035		18,717
Allowance for Loan Losses	29,837		31,483		31,714		31,478		32,658		32,792		32,127
Nonperforming Loans / Loans	0.53%		0.42%		0.47%		0.43%		0.57%		0.60%		0.69%
Allowance for Loan Losses / Loans	1.47%		1.55%		1.54%		1.50%		1.50%		1.46%		1.40%
Allowance for Loan Losses /
Nonperforming Loans	276%		368%		328%		345%		262%		243%		202%
Net Loan Charge-offs	2,701		254		1,269		1,736		320		1,765		2,166
Net Loan Charge-offs (annualized) /
Average Loans	0.55%		0.05%		0.25%		0.33%		0.06%		0.32%		0.38%
Balance Sheet (Period-End)
Assets	$2,855,658		$2,915,039		$2,858,678		$2,900,272		$2,956,404		$3,006,203		$3,009,776
Earning Assets	2,665,433		2,721,743		2,681,074		2,711,702		2,776,693		2,823,231		2,829,035
Securities	641,206		688,315		625,872		611,083		592,761		576,612		536,783
Loans, Gross	2,024,227		2,033,428		2,055,202		2,100,620		2,183,931		2,246,619		2,292,253
Total Deposits	1,947,249		1,927,035		1,937,201		1,962,253		1,977,330		1,976,340		2,079,182
Non-Interest Bearing Deposits	344,010		354,701		371,413		382,364		382,110		376,471		416,748
NOW, Money Market & Savings	781,690		786,225		778,985		766,031		756,965		742,582		772,783
CD's $100,000 and over	167,170		148,200		147,697		162,925		176,512		187,574		197,347
Other Time Deposits	654,380		637,909		639,106		650,933		661,743		669,713		692,304
Short-term borrowings	302,680		339,930		327,824		432,020		463,000		542,598		456,684
Long-term Debt	242,191		267,195		217,192		116,891		116,890		116,894		86,328
Shareholder's Equity	304,312		319,342		320,936		332,718		339,095		321,625		338,575
Balance Sheet (Daily Averages)
Assets	$2,823,664		$2,850,083		$2,888,415		$2,854,065		$2,908,794		$2,979,134		$3,002,225
Earning Assets	2,644,725		2,669,664		2,702,768		2,678,336		2,732,315		2,798,943		2,821,311
Securities	636,110		646,589		658,505		616,146		597,845		583,192		555,568
Loans, Gross	2,008,616		2,023,006		2,044,174		2,062,191		2,134,470		2,215,751		2,264,843
Deposits	1,916,768		1,921,525		1,927,257		1,925,773		1,955,025		1,982,751		2,040,251
Shareholder's Equity	310,165		316,613		320,116		328,821		341,835		330,474		333,545

S&T Bancorp, Inc.																	Page 3 of 3
Consolidated Selected Financial Data
September 30, 2004
(Dollars in thousands except per share data)
	2003								2004
	March		June		September		December		March		June		September		September		September
Profitability Ratios (annualized)	1Q		2Q		3Q		4Q		1Q		2Q		3Q		2004		2003
Return on Average Assets	1.80%		1.80%		1.82%		1.83%		1.79%		1.83%		1.76%		1.79%		1.81%
Return on Average Shareholder's Equity	16.39%		16.18%		16.46%		15.91%		15.24%		16.52%		15.84%		15.86%		16.35%
Yield on Earning Assets (FTE)	6.20%		5.96%		5.57%		5.56%		5.39%		5.35%		5.46%		5.40%		5.91%
Cost of Interest Bearing Funds	2.49%		2.35%		2.14%		1.95%		1.79%		1.74%		1.90%		1.81%		2.32%
Net Interest Margin (FTE)(4)	4.20%		4.08%		3.87%		4.02%		3.98%		3.97%		3.96%		3.97%		4.05%
Efficiency Ratio (FTE)(1)	41.59%		41.72%		42.55%		52.26%		43.49%		42.22%		42.66%		42.78%		41.96%
Capitalization Ratios
Dividends Paid to Net Income	53.01%		51.65%		49.68%		52.22%		53.48%		51.06%		53.34%
Shareholder's Equity to Assets (Period End)	10.66%		10.95%		11.23%		11.47%		11.47%		10.70%		11.25%
Leverage Ratio (2)	8.13%		8.50%		8.67%		9.16%		9.15%		8.80%		9.15%
Risk Based Capital - Tier I (3)	9.90%		10.11%		10.46%		10.56%		10.55%		10.10%		10.44%
Risk Based Capital - Tier II (3)	11.56%		11.90%		12.25%		12.39%		12.31%		11.78%		12.13%
Other Data
Shareholders of Record	3,106		3,125		3,138		3,149		3,164		3,143		3,133
Number of Banking Offices	46		46		46		49		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.