SHS Bancorp, Inc.
Ticker:SHSB 112 Federal Street
Exchange:NASDAQ-Small Cap Market Pittsburgh, PA 15212
Industry:Financial (SIC Code 6035) (412) 231-0809

Offering Information
Type of Shares:Common Shares Filing Date:6/27/97
U.S. Shares:820,000 Offer Date:10/1/97
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:820,000 Offer Price:$10.00
Secondary Shares:0 Gross Spread:
Offering Amount: $8,200,000 Selling:
Expenses: - Reallowance:
Shares Out After: -

Primary Underwriting Group
ManagerTierPhone
Ryan, Beck & Co.Lead Manager (201) 325-3000

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Breyer & Aguggia
Bank's Law Firm: Elias, Matz, Tiernan & Herrick
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:$7.34$1.74$1.65Assets:$82.81
Net Income:$0.39-$0.39$0.06Curr Assets:
EPS:Liabilities:$78.36
Prior EPS:$0.03-$0.07Curr Liabilities:
Cash Flow/Oper:-$0.03Equity:$4.45
Cash Flow/Fin:Cash:
Cash Flow/Inv:

Business Description
The Savings Bank is a federally charted mutual savings bank. The bank operates as a community oriented financial institution that engages primarily in the business of attracting deposits from the general public and using those funds to originate loans.

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

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