[MAGDEFRAU & DANSKY LLC LETTERHEAD]




November 17, 1998



Mr. Joseph Rossi, President
Board of Directors
Tolland Bank
P.O. Box 156
Tolland, CT 06084


Dear Joe and Directors:

This letter is to inform you that, for personal reasons, I am resigning from
the Board of Directors of Alliance Bancorp of New England and Tolland Bank,
effective immediately.


I wish you continued success!


Very truly yours,


/s/ Theresa
- -------------------------
Theresa L. Dansky