Heritage Bancorp, Inc.
Proposed Ticker: - 201 W. Main Street
Exchange:NASDAQ-National Market Laurens, SC 29360
Industry:Financial (SIC Code 6035) (864) 984-4581
# of Employees:35

Filing Information
Type of Shares:Common Shares Filing Date:12/10/97
U.S. Shares Filed:4,025,000 Filing Price:$15.00
Non-U.S. Shares Filed:0 Offering Amount: $60,375,000
Primary Shares:4,025,000 Expenses: -
Secondary Shares:0 Shares Out After:

Primary Underwriting Group
ManagerTierPhone
Trident Securities, Inc.Lead Manager (919) 781-8900

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Breyer & Aguggia
Bank's Law Firm: Luse Lehman Gorman Pomerenk & Schick
Auditor: Deloitte & Touche

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
9/30/97 9/30/97
Revenue:$17.98Assets:$247.50
Net Income:$1.95Curr Assets:
EPS:Liabilities:$218.26
Prior EPS:Curr Liabilities:$215.41
Cash Flow/Oper:$1.26Equity:$29.23
Cash Flow/Fin:$0.68Cash:$14.66
Cash Flow/Inv:$6.85

Business Description
The company is the bank holding company for the Heritage Federal Savings & Loan Association. The bank's primary business is to attract deposits from the general public and use those funds to originate residential mortgage loans.

Use of Proceeds
The proceeds from the proposed offering will be used to buy all of the outstanding common stock of the Association and for general corporate purposes.

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