First Carnegie Deposit
Ticker:SKBO 242 East Main Street
Exchange:NASDAQ-National Market Carnegie, PA 15106
Industry:Financial (SIC Code 6022) (412) 276-2424

Offering Information
Type of Shares:Common Shares Filing Date:2/11/97
U.S. Shares:1,035,000 Offer Date:4/4/97
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:1,035,000 Offer Price:$10.00
Secondary Shares:0 Gross Spread:$0.57
Offering Amount: $10,350,000 Selling:
Expenses:$300,000 Reallowance:
Shares Out After: -

Primary Underwriting Group
ManagerTierPhone
Capital Resources, Inc.Lead Manager (202) 466-5685

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Malizia, Spidi, Sloane & Fisch
Bank's Law Firm: Serchuk & Zelemyer
Auditor: KPMG Peat Marwick

Business Description
The company is an S & L holding company. The Bank is a federally chartered mutual savings bank which conducts business from its main office located in Carnegie, Pennsylvania and its two branch offices, one each in McKees Rocks and Washington, Pennsylvania. The Bank conducts a non-traditional savings institution business, attracting deposit accounts from the general public and using those deposits, together with other funds, primarily to invest in mortgage-backed and other investment securities and Small Business Administration and other federal agency guaranteed commercial and consumer loans, and to originate and purchase one- to four-family mortgage loans.

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

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