Fidelity Financial of Ohio
Ticker: FFOH
Exchange: NASDAQ-National Market
Industry: Financial

Type of Shares:Common Shares Filing Date:11/14/95
U.S. Shares:2,278,100 Offer Date:3/4/96
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:2,278,100 Offer Price:$10.00
Secondary Shares:0 Gross Spread:$0.49
Offering Amount: $22,781,000 Selling:
Expenses: - Reallowance:
Shares Out After: -

ManagerTierPhone
Trident Securities, Inc.Lead Manager (919) 781-8900

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Note: Dollar amounts are in U.S. millions; Audited figures expressed as full year,
unaudited figures are partial year

Business Description
The company is an Ohio corporation organized in October 1995 by the Savings Bank for the purpose of holding all of the capital stock of the Savings Bank and in order to facilitate the Conversion and Reorganization. Upon completion of the Conversion and Reorganization, the only significant assets of the company will be all of the outstanding Savings Bank Common Stock, the note evidencing the company's loan to the ESOP and the portion of the net proceeds from the Offerings retained by the company. The business of the company will initially consist of the business of the Savings Bank. Fidelity Federal Savings Bank is a federally chartered stock savings bank that was organized on May 11, 1992 as a subsidiary of the Mutual Holding Company. Prior to that date, Fidelity Savings and Loan Association in its mutual form had operated since 1913 in the market area now served by the Savings Bank.

Use of Proceeds
The proceeds from the proposed offering will be used to fund the transition from a mutual to a stock bank holding company.

Last updated: 12/8/96

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