Oregon Trail Financial Corp.
Ticker:OTFC 2055 First Street
Exchange:NASDAQ-National Market Baker City, OR 97814
Industry:Financial (SIC Code 6035) (541) 523-6327

Offering Information
Type of Shares:Common Shares Filing Date:6/25/97
U.S. Shares:4,695,000 Offer Date:10/1/97
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:4,695,000 Offer Price:$10.00
Secondary Shares:0 Gross Spread:
Offering Amount: $46,950,000 Selling:
Expenses: - Reallowance:
Shares Out After: -

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

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Breyer & Aguggia

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
12/31/96 3/31/97 3/31/96 3/31/97
Revenue:$16.69$12.69$12.52Assets:$204.21
Net Income:$2.18$1.10$1.65Curr Assets:
EPS:Liabilities:$183.19
Prior EPS:Curr Liabilities:
Cash Flow/Oper:Equity:$21.03
Cash Flow/Fin:Cash:
Cash Flow/Inv:

Business Description
The company is an S&L; holding company. The savings bank is a community oriented financial institution whose principal business is attracting retail deposits from the general public and using these funds to originate mortgage and consumer loans.

Use of Proceeds
The proceeds from the proposed offering will be used to purchase all of the capital stock of the savings bank to be issued in the conversion, to increase the savings bank's capital and support the expansion of the savings bank's existing business activities, including agricultural and commercial business lending and the purchase of dealer originated contracts secured by automobiles, recreational vehicles, trailers, motorcycles and other vehicles.

©1997 IPO Data Systems, Inc. - All rights reserved.