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                         NOTICE OF GUARANTEED DELIVERY

                                      FOR

                              TENDER OF SHARES OF

                                COMMON STOCK OF

                            LANDMARK FINANCIAL CORP.

     As set forth in Section 4 of the Offer to Purchase dated May 10, 2000 (the
"Offer to Purchase"), this Notice of Guaranteed Delivery or one substantially
equivalent hereto must be used to accept the Offer (as defined below) if
certificates representing shares of common stock, par value $0.10 per share (the
"Shares"), of Landmark Financial Corp., a Delaware corporation (the "Bank") and
not immediately available or time will not permit all required documents to
reach Key Bank, N.A. (the "Depositary") on or prior to the Expiration Date (as
defined in the Offer to Purchase), or the procedures for delivery by book-entry
transfer cannot be completed on a timely basis. This Notice of Guaranteed
Delivery may be delivered by hand or sent by telegram, facsimile transmission or
mail to the Depositary.

                        The Depositary for the Offer is:

                               LaSalle Bank N.A.

                               Telephone Number:

                                 (312) 904-2450



            By Mail:                         By Facsimile:              By Hand or Overnight Delivery
            --------                         -------------              -----------------------------
                                                                
        LaSalle Bank N.A.                                                     LaSalle Bank N.A.
    135 South LaSalle Street                (312) 904-2236                135 South LaSalle Street
        Chicago, IL 60603                                                     Chicago, IL 60603
        Attn: Corp. Trust                  Attn: Mark Rimkus                  Attn: Mark Rimkus
      Operations, Room 1811


                 Confirm Facsimile by Telephone: (312) 904-2236

     DELIVERY OF THIS NOTICE OF GUARANTEED DELIVERY TO AN ADDRESS OTHER THAN AS
SET FORTH ABOVE OR TRANSMISSION OF INSTRUCTIONS VIA A FACSIMILE TRANSMISSION TO
A NUMBER OTHER THAN AS SET FORTH ABOVE DOES NOT CONSTITUTE A VALID DELIVERY.

     This Notice of Guaranteed Delivery is not to be used to guarantee
signatures. If a signature on a Letter of Transmittal is required to be
guaranteed by an "Eligible Institution" under the instructions thereto (see
Instructions 1 and 5 of the Letter of Transmittal), such signature guarantee
must appear on the applicable space provided in the signature box on the Letter
of Transmittal.

LADIES AND GENTLEMEN:

     The undersigned hereby tenders to Investors & Lenders, LLC, a New York
limited liability company, upon the terms and subject to the conditions set
forth in the Offer to Purchase dated May 10, 2000 (the "Offer to Purchase") and
in the related Letter of Transmittal (which together constitute the "Offer"),
receipt of each of which is hereby acknowledged, the number of Shares indicated
below pursuant to the guaranteed delivery procedures set forth in Section 4 of
the Offer to Purchase.
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Number of Shares:
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Certificates No(s). (if available): EXPIRATION
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If Share(s) will be tendered by book-entry transfer, check ONE box.

[ ] The Depository Trust Company
[ ] Philadelphia Depository Trust Company

Account Number:
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Date:
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Name(s) of Record Holder(s):
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Address(es):
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Area Code and Telephone Number(s):
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Signature(s):
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                     THE GUARANTEE BELOW MUST BE COMPLETED

                                   GUARANTEE

                    (NOT TO BE USED FOR SIGNATURE GUARANTEE)

     The undersigned, a firm that is a bank, broker, dealer, credit union,
savings association or other entity which is a member in good standing of the
Securities Transfer Agent's Medallion Program hereby (a) represents that the
tender of shares effected hereby complies with Rule 14e-4 under the Securities
Exchange Act of 1934, as amended, and (b) guarantees the delivery to the
Depositary at one of its addresses set forth above, the certificates
representing all tendered Shares, in proper form for transfer, or confirmation
of a book-entry transfer of such Shares, together with a properly completed and
duly executed Letter of Transmittal (or facsimile thereof), with any required
signature guarantees, or an Agent's Message (as defined in the Offer to
Purchase) in the case of a book-entry delivery and any other documents required
by the Letter of Transmittal, all within three NASDAQ trading days after the
date of execution of this Notice of Guaranteed Delivery.

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Name of Firm

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Address

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Area Code and Tele. Number:
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                             (AUTHORIZED SIGNATURE)

Title:
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Name:
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                             (PLEASE TYPE OR PRINT)

Date:
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NOTE: DO NOT SEND CERTIFICATES FOR SHARES WITH THIS NOTICE OF GUARANTEED
      DELIVERY. CERTIFICATES FOR SHARES SHOULD BE SENT WITH YOUR LETTER OF
      TRANSMITTAL.
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