Sistersville Bancorp, Inc.
Ticker:SVBC 726 Wells Street
Exchange:Over-the-Counter Market Sisterville, WV 26175
Industry:Financial (SIC Code 6035) (604) 652-3671

Offering Information
Type of Shares:Common Shares Filing Date:3/11/97
U.S. Shares:661,428 Offer Date:6/26/97
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:661,428 Offer Price:$10.00
Secondary Shares:0 Gross Spread:
Offering Amount: $6,614,280 Selling:
Expenses:$131,000 Reallowance:
Shares Out After: -

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

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Malizia, Spidi, Sloane & Fisch
Bank's Law Firm: Not Available
Auditor: S.R. Snodgrass, A.C.
Registrar/Transfer Agent: American Stock Transfer & Trust Co

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
9 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
3/31/96 12/31/96 12/31/95 12/31/96
Revenue:$1.99$1.55$1.48Assets:$26.26
Net Income:$0.20$0.09$0.15Curr Assets:
EPS:Liabilities:$21.51
Prior EPS:$0.02$0.26Curr Liabilities:
Cash Flow/Oper:$0.29Equity:$4.75
Cash Flow/Fin:Cash:
Cash Flow/Inv:

Business Description
The company was organized under Delaware law in March 1997 at the direction of the Board of Directors of the Association to acquire all of the capital stock that the Association will issue upon its conversion from the mutual to stock form of ownership. The company has not engaged in any significant business to date. The Association, a federally chartered mutual savings and loan association, operates a traditional savings association business, attracting deposit accounts from the general public and using those deposits, together with other funds, primarily to originate and invest in fixed-rate loans secured by single-family residential real estate. At December 31, 1996, the Association had total assets of $26.26 million, total deposits of $21.20 million, and equity of $4.75 million.

Use of Proceeds
The proceeds from the proposed offering will be used to purchase 100% of the to be outstanding common stock of the Association and retain the remainder as its initial capitalization.

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