EXHIBIT 99.1


ANCHOR BANCORP AND LEDGER CAPITAL CORP. MERGER COMPLETED NOVEMBER 09, 2001


MADISON and GLENDALE, Wis.--(BUSINESS WIRE)--Nov. 9, 2001--Anchor BanCorp
Wisconsin Inc., Madison, Wisconsin, (NASDAQ:"ABCW") and Ledger Capital Corp.,
Glendale, Wisconsin (NASDAQ: "LEDG") announced their merger closed today,
Friday, November 9. All Ledger offices will open as AnchorBank offices Monday,
November 12.

Douglas J. Timmerman, President of AnchorBank remarked "I am extremely happy to
welcome Ledger Bank staff, customers and shareholders to the AnchorBank family.
This is our third merger since we converted to stock in 1992, and our fifteenth
acquisition since 1980. Every time we expand we offer our customers more choices
while retaining our focus of providing excellence in customer service."

James D. Smessaert, President of Ledger said, "We believe this merger is in the
long-term interests of both our customers and our shareholders. Our shareholders
will receive shares in a company whose management and directors have a long-term
track record of increasing stockholder value. For our customers, it is a merger
of neighbors, so all Ledger Bank offices will continue to operate. This means
that you will see the same friendly people cashing your checks, taking your
deposits and opening your accounts. Our customers be able to do business in
Anchor offices throughout the state." In the merger, Ledger Capital Corp.
shareholders will receive 1.1 shares of Anchor BanCorp Wisconsin, Inc. stock for
each share of Ledger stock or the cash equivalent. The number of shares
converted to cash cannot exceed 20% of the total number of Ledger shares
outstanding.

Anchor is the parent holding company for AnchorBank, fsb, a $3.1 billion
financial institution with 49 full service offices and 3 lending only facilities
in 36 Wisconsin cities. Ledger was the parent holding company for Ledger Bank,
ssb, a $493.1 million financial institution with 4 full service offices in 3
Wisconsin cities. Ledger recently changed its name from Hallmark Capital Corp.,
while Ledger Bank was previously known as West Allis Savings Bank. With this
merger, Anchor becomes a $3.6 billion financial institution with 53 full service
and three lending only offices in the five largest population areas in the State
of Wisconsin.

The Board of Directors of the combined company will include all the existing
Board members of Anchor and James D. Smessaert from the Ledger Board.

Contact Information:
Anchor BanCorp Wisconsin Inc.
Douglas J. Timmerman, 608/252-8782
or
Ledger Capital Corp.
James D. Smessaert, 414/290-7900