PS Financial, Inc.
Ticker:PSFI 4800 South Pulaski Road
Exchange:NASDAQ-National Market Chicago, Illinois 60632
Industry:Financial (312) 376-3800

Type of Shares:Common Shares Filing Date:8/30/96
U.S. Shares:1,897,500 Offer Date:11/27/96
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:1,897,500 Offer Price:$10.00
Secondary Shares:0 Gross Spread:$0.32
Offering Amount: $18,975,000 Selling:
Expenses:$270,000 Reallowance:
Shares Out After: -

ManagerTierPhone
Charles Webb & CompanyLead Manager (614) 766-8400

Auditor: Crowe, Chizek and Company
5 Month Ending Financials
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/95 5/31/96 5/31/95 5/31/96
Revenue:$4.33$1.88$1.78Assets:$54.85
Net Income:$1.06$0.44$0.49Liabilities:$42.82
EPS:Equity:$12.03

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

Business Description
The company was recently formed by Preferred Savings under the laws of Delaware for the purpose of becoming a savings and loan holding company which will own all of the outstanding capital stock that preferred Savings will issue. Immediately following the Conversion, the only significant assets of the Holding Company will be the capital stock of Preferred Savings, a note evidencing the Holding Company's loan to the ESOP and up to approximately 50% of the net proceeds from the Conversion. Preferred SAvings is a federally chartered mutual savings bank headquartered in Chicago, Illinois. Preferred Savings currently serves the financial needs of communities in its market area through its office located 4800 South Pulaski Road, Chicago Illinois 60632-4195. Its deposits are insured up to applicable limits by the Federal Deposit Insurance Corporation (FDIC). At May 31, 1996, Preferred Savings had total assets of $54.9 million, deposits of $41.9 million and total retained earnings of $12.0 million.

Use of Proceeds
The proceeds from the proposed offering will be used to increase the capital base of the bank.

Last updated: 12/29/96

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