IPO Company Profile
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Peoples Bancorp, Inc.
825 State Street, Ogdensburg, NY 13669 * (315) 393-4340

The company is a savings and loan holding company for the Ogdensburg Federal Savings and Loan Association.

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

Offering Information
OTC:PBKO Financial: SIC 6035
Type of Shares:Common Shares Filing Date:9/17/98
U.S. Shares:134,000 Offer Date:12/30/98
Non-U.S. Shares:0 Filing Price:$10.00
Primary Shares:134,000 Offer Price:$10.00
Secondary Shares:0 Gross Spread:
Offering Amount: $1,340,000 Selling:
Expenses: - Reallowance:
Post-IPO Shares: -

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Housley, Kantarian & Bronstein, P.C.
Bank's Law Firm: Malizia, Spidi, Sloane & Fisch
Auditor: KPMG Peat Marwick

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:$1.71$0.90$0.83Assets:$24.25
Net Income:$0.09$0.07$0.08Curr Assets:
EPS:Liabilities:$22.60
Prior EPS:Curr Liab:$22.60
Cash Flow/Oper:-$0.02$0.18$0.38Equity:$1.65
Cash Flow/Fin:$1.27$0.59$0.74Cash:$0.62
Cash Flow/Inv:-$1.60-$0.76

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

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