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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. 1)*
FIDELITY FINANCIAL OF OHIO, INC.
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(Name of Issuer)
COMMON STOCK, $.10 PAR VALUE PER SHARE
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(Title of Class of Securities)
31614P 10 7
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(CUSIP Number)
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Page 1 of 6 Pages
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CUSIP NO. 31614P 10 7 Page 2 of 6 Pages
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1. NAME OF REPORTING PERSON
I.R.S. IDENTIFICATION NO. OF ABOVE PERSON (ENTITY ONLY)
Fidelity Federal Savings Bank Employee Stock Ownership Plan Trust
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2. CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [ ]
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3. SEC USE ONLY
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4. CITIZENSHIP OR PLACE OF ORGANIZATION
United States
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5. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH
SOLE VOTING POWER
183,199
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6. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH
SHARED VOTING POWER
136,321
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7. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH
SOLE DISPOSITIVE POWER
183,199
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8. NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH
SHARED DISPOSITIVE POWER
136,321
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9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
319,520
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10. CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES
[ ]
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11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
5.7%
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12. TYPE OF REPORTING PERSON
EP
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CUSIP NO. 31614P 10 7 Page 3 of 6 Pages
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Item 1(a) Name of Issuer:
Fidelity Financial of Ohio, Inc.
Item 1(b) Address of Issuer's Principal Executive Office:
4555 Montgomery Road
Cincinnati, Ohio 45212
Item 2(a) Name of Person Filing:
Fidelity Federal Savings Bank Employee Stock Ownership Plan
Trust
Item 2(b) Address of Principal Business Office or, if None, Residence:
4555 Montgomery Road
Cincinnati, Ohio 45212
Item 2(c) Citizenship:
United States
Item 2(d) Title of Class of Securities:
Common Stock, par value $.10 per share
Item 2(e) CUSIP Number:
31614P 10 7
Item 3. If this statement is filed pursuant to Rules 13-d(b), or
13D-2(b), check whether the person filing is a:
[X] Employee Benefit Plan, Pension Plan Fund which is subject
to the provisions of the Employee Retirement Income
Security Act of 1974.
Item 4. Ownership.
(a) Amount beneficially owned:
319,520 Shares of Common Stock
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CUSIP NO. 31614P 10 7 Page 4 of 6 Pages
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(b) Percent of class:
5.7%
(c) Number of shares as to which such person has:
(i) Sole power to vote or to direct the vote 183,199
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(ii) Shared power to vote or to direct the vote 136,321
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(iii) Sole power to dispose or to direct the disposition of
183,199
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(iv) Shared power to dispose or to direct the disposition of
136,321
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Item 5. Ownership of Five Percent or Less of a Class.
Not Applicable.
Item 6. Ownership of More than Five Percent on Behalf of Another Person.
The Fidelity Federal Savings Bank Employee Stock Ownership
Plan Trust ("Trust") was established pursuant to the Fidelity
Federal Savings Bank Employee Stock Ownership Plan ("ESOP") by
an agreement between the Company and Messrs. Reusing, Staubach
and Hughes, who act as trustees of the plan ("Trustees"). As
of December 31, 1997, 183,199 shares of Common Stock held in
the Trust were unallocated and 136,321 shares had been allocated
to the accounts of participating employees. Under the terms of
the ESOP, the Trustees will generally vote the allocated shares
held in the ESOP in accordance with the instructions of the
participating employees. Unallocated shares and allocated
shares for which employees do not give instructions will
generally be voted in the same ratio on any matter as to those
shares for which instructions are given, subject in each case
to the fiduciary duties of the ESOP trustees and applicable law.
Item 7. Identification and Classification of the Subsidiary Which Acquired
the Security Being Reported on by the Parent Holding Company.
Not Applicable.
Item 8. Identification and Classification of Members of the Group.
Not Applicable.
Item 9. Notice of Dissolution of Group.
Not Applicable.
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CUSIP NO. 31614P 10 7 Page 5 of 6 Pages
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Item 10. Certification.
By signing below, We certify that, to the best of our knowledge
and belief, the securities referred to above were acquired in the
ordinary course of business and were not acquired for the purpose
of and do not have the effect of changing or influencing the
control of the issuer of such securities and were not acquired in
connection with or as a participant in any transaction having such
purpose or effect.
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CUSIP NO. 31614P 10 7 Page 6 of 6 Pages
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SIGNATURE
After reasonable inquiry and to the best of the knowledge and belief of
the undersigned, the undersigned certifies that the information set forth in
this Statement on Schedule 13G is true, complete and correct.
FIDELITY FEDERAL SAVINGS BANK
EMPLOYEE STOCK OWNERSHIP PLAN TRUST
Date: February 17, 1998 By: /s/John R. Reusing
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John R. Reusing
Trustee
Date: February 17, 1998 By: /s/Paul D. Staubach
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Paul D. Staubach
Trustee
Date: February 17, 1998 By: /s/Joseph D. Hughes
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Joseph D. Hughes
Trustee
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