FirstSpartan Financial Corp.
Ticker:FSPT 380 E. Main Street
Exchange:NASDAQ-National Market Spartanburg, SC 29302
Industry:Financial (SIC Code 6035) (864) 582-2391

Offering Information
Type of Shares:Common Shares Filing Date:3/7/97
U.S. Shares:4,430,000 Offer Date:7/9/97
Non-U.S. Shares:0 Filing Price:$20.00
Primary Shares:4,430,000 Offer Price:$20.00
Secondary Shares:0 Gross Spread:
Offering Amount: $88,600,000 Selling:
Expenses: - 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: Breyer & Aguggia
Bank's Law Firm: Housley Goldberg & Kantarian
Auditor: Deloitte & Touche

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
6 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
6/30/96 12/31/96 12/31/95 12/31/96
Revenue:$42.64$14.84$13.64Assets:$375.53
Net Income:$3.54$0.61$1.86Curr Assets:
EPS:Liabilities:$330.69
Prior EPS:$1.40$0.43Curr Liabilities:
Cash Flow/Oper:-$2.71Equity:$44.83
Cash Flow/Fin:Cash:
Cash Flow/Inv:

Business Description
The Holding Company was organized on February 4, 1997 under Delaware law at the direction 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 Holding Company has only engaged in organizational activities to date. Chartered in 1935, the Association is a federal mutual savings and loan association headquartered in Spartanburg, South Carolina. As a result of the Conversion, the Association will convert to a federal capital stock savings and loan association and will become a wholly-owned subsidiary of the Holding Company. The Association is regulated by the OTS, its primary regulator, and by the FDIC, the insurer of its deposits. The Association is a community oriented financial institution whose primary business is attracting retail deposits from the general public and using these funds to originate primarily one- to four-family residential mortgage loans within its primary market area. The Association also actively originates construction loans and commercial loans. To a lesser extent, the Association originates land loans, commercial real estate loans and commercial business loans.

Use of Proceeds
The proceeds from the proposed offering will be used for general corporate purposes.

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