Bryan-College Station Financial Holding Company, The
Proposed Ticker: - 2900 Texas Avenue
Exchange:NASDAQ-Small Cap Market Bryan, TX 77802
Industry:Financial (SIC Code 6035) (409) 779-2900

Filing Information
Type of Shares:Common Shares Filing Date:5/30/97
U.S. Shares Filed:200,000 Filing Price:$10.00
Non-U.S. Shares Filed:0 Offering Amount: $2,000,000
Primary Shares:200,000 Expenses: -
Secondary Shares:0 Shares Out After:

Primary Underwriting Group
ManagerTierPhone
Hoefer & ArnettLead Manager (415) 362-7160

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Silver, Freedman & Taff
Bank's Law Firm: Bracewell & Patterson
Auditor: Crowe, Chizek and Company
Registrar/Transfer Agent: Self Administered

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
9/30/96 3/31/97 3/31/96 3/31/97
Revenue:$4.84$2.62$2.42Assets:$62.68
Net Income:$0.23$0.29$0.18Curr Assets:
EPS:$0.61$0.53$0.24Liabilities:$58.11
Prior EPS:$0.52Curr Liabilities:
Cash Flow/Oper:$2.04Equity:$4.57
Cash Flow/Fin:Cash:
Cash Flow/Inv:

Business Description
The company is a newly formed company organized under Delaware law to become a financial institution holding company by acquiring 100% of the stock of First Federal. First Federal Savings Bank, is a federally chartered community-owned, independent thrift institution, headquartered in Bryan-College Station, Texas, which began operations in 1965. First Federal is predominantly a locally-based homes lender, originating loans primarily in Bryan-College Station and the surrounding trade area, and to a lesser extent other communities in the general area between Houston, Austin and Dallas, Texas. First Federal also originates consumer, construction, U.S. Small Business Administration partially guaranteed loans, small commercial real estate and small to medium commercial business loans.

Use of Proceeds
The proceeds from the proposed offering will be used to purchase for cash all of the shares of First Federal common stock not exchanged for Holding Company common stock pursuant to the merger agreement repay First Federal for expenses paid by First Federal in connection with the Merger and Offering, and the balance, if any, will become part of the company's general funds.

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