IPO Company Profile
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CNY Financial Corporation
1 North Main Street, Cortland, NY 13045 * (607) 756-5643

The company is a S&L; holding company for the Cortland Savings Bank. The bank obtains deposits from local depositors and invests those deposits and other funds principally in loans secured by property located in Cortland County, New York.

Primary Underwriting Group
ManagerTierPhone
CIBC Oppenheimer & CompanyLead Manager (212) 667-7400
Trident Securities, Inc.Co-manager (919) 781-8900

Offering Information
NASNTL:CNYF Financial: SIC 6035
Type of Shares:Common Shares Filing Date:6/19/98
U.S. Shares:5,252,000 Offer Date:10/6/98
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:5,252,000 Offer Price:$10.00
Secondary Shares:0 Gross Spread:$0.35
Offering Amount: $52,520,000 Selling:
Expenses: - Reallowance:
Post-IPO Shares: -
Employees:95

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Serchuk & Zelemyer
Bank's Law Firm: Thacher Proffitt & Wood
Registrar/Transfer Agent: Registrar and Transfer Company, New Jersey
Auditor: KPMG Peat Marwick

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
Audited
Income
Balance
Sheet
12/31/97 3/31/98 3/31/97 3/31/98
Revenue:$18.56$4.56$4.64Assets:$232.39
Net Income:$0.07$0.49$0.41Curr Assets:
EPS:Liabilities:$200.99
Prior EPS:Curr Liab:$198.23
Cash Flow/Oper:$3.12$4.22$0.77Equity:$31.39
Cash Flow/Fin:-$4.91-$2.16-$2.33Cash:$9.81
Cash Flow/Inv:-$2.66-$0.33

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

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