IPO Company Profile
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United Financial Holdings, Inc.
333 Third Avenue North, St. Petersburg, FL 33733 * (813) 898-2265

The company is a bank holding company for the United Bank and Trust Company.

Primary Underwriting Group
ManagerTierPhone
William R. Hough & Co.Lead Manager

Offering Information
NASSCM:UFHI Financial: SIC 6022
Type of Shares:Common Shares Filing Date:7/31/98
U.S. Shares:750,000 Offer Date:
Non-U.S. Shares:0 Filing Range:$9.00 - $11.00
Primary Shares:600,000 Offer Price:$10.00
Secondary Shares:150,000 Gross Spread:
Offering Amount: $7,500,000 Selling:
Expenses:$400,000 Reallowance:
Post-IPO Shares:4,113,858
Employees:84

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Holland & Knight
Bank's Law Firm: Smith, Mackinnon, Greeley, Bowdoin & Edwards, P.A.
Auditor: Grant Thornton

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
6 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Audited
Income
Balance
Sheet
12/31/97 6/30/98 6/30/97 6/30/98
Revenue:$14.03$7.92$6.62Assets:$178.15
Net Income:$1.41$0.79$0.47Curr Assets:
EPS:$0.41$0.22$0.13Liabilities:$166.70
Prior EPS:$0.47Curr Liab:$157.69
Cash Flow/Oper:-$0.39$0.57$1.04Equity:$11.45
Cash Flow/Fin:$22.83$30.29$5.10Cash:$7.82
Cash Flow/Inv:-$23.01-$30.38

Use of Proceeds
The proceeds from the proposed offering will be used to repay indebtedness, contribute to the capital of the bank, find future acquisitions, working capital and for general corporate purposes.

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