IPO Company Profile
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Gaston Federal Bancorp, Inc.
245 West Main Avenue, P.O. Box 2249, Gastonia, NC 28053 * (704) 868-5200

The company is a bank holding company for Gaston Federal Bank.

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

Offering Information
NASNTL:GBNK Financial: SIC 6712
Type of Shares:Common Shares Filing Date:12/22/97
U.S. Shares:2,113,355 Offer Date:4/13/98
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:2,113,355 Offer Price:$10.00
Secondary Shares:0 Gross Spread:$0.00
Offering Amount: $21,133,550 Selling:$0.00
Expenses:$0 Reallowance:$0.00
Post-IPO Shares: -

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Luse Lehman Gorman Pomerenk & Schick
Bank's Law Firm: Womble Carlyle Sandridge & Rice
Registrar/Transfer Agent: ChaseMellon Shareholder Services, L.L.C.
Auditor: Cherry, Bekaert & Holland

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Audited
Income
Balance
Sheet
9/30/97 9/30/97
Revenue:$13.45Assets:$173.47
Net Income:$1.43Curr Assets:
EPS:Liabilities:$152.60
Prior EPS:Curr Liab:$145.44
Cash Flow/Oper:$1.88Equity:$20.87
Cash Flow/Fin:-$0.53Cash:$4.63
Cash Flow/Inv:$1.12

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

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