Ohio State Financial Services, Inc.
Ticker:OSFS 435 Main Street
Exchange:NASDAQ-Small Cap Market Bridgeport, OH 43912
Industry:Financial (SIC Code 6036) (614) 635-0764

Offering Information
Type of Shares:Common Shares Filing Date:6/20/97
U.S. Shares:633,333 Offer Date:9/29/97
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:633,333 Offer Price:$10.00
Secondary Shares:0 Gross Spread:
Offering Amount: $6,333,330 Selling:
Expenses:$112,000 Reallowance:
Shares Out After: -

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

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Vorys Sater Seymour Pease
Bank's Law Firm: Silver, Freedman & Taff
Auditor: Snodgrass, S.R.

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
3 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/96 3/31/97 3/31/96 3/31/97
Revenue:$2.52$0.61$0.64Assets:$34.56
Net Income:$0.21$0.09$0.10Curr Assets:
EPS:Liabilities:$29.70
Prior EPS:$0.11$0.10Curr Liabilities:
Cash Flow/Oper:$0.22Equity:$4.86
Cash Flow/Fin:Cash:
Cash Flow/Inv:

Business Description
The Holding Company was incorpated under Ohio law in March 1997 for the purpose of purchasing all of the capital stock of the Association to be issued in connection with the Conversion. The Holding Company has not conducted and will not conduct any business before the completion of the Conversion, other than business related to the Conversion. Upon the consummation of the Conversion, the Holding Company will be a unitary savings and loan holding company, the principal assets of which initially will be the capital stock of the Association, the investments made with the net proceeds retained from the sale of Common Shares in connection with the Conversion and a loan to be made by the Holding to the ESOP to facilitate the ESOP's purchase of Common Shares in the Conversion. The Association is a mutual savings and loan association organized under Ohio law in 1893. As an Ohio savings and loan association, the Association is subject to supervision and regulation by the OTS and the Division. The Association is a member of the Federal Home Loan Bank of Cincinnati, and the deposit accounts of the Association are insured up to applicable limits by the FDIC in the Savings Association Insurance Fund.

Use of Proceeds
The proceeds from the proposed offering will be used to make a loan to the ESOP to acquire common shares in the offering and for general corporate purposes.

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