<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
(Rule 13d-102)
INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
TO RULES 13d-1(b)(c), AND (d) AND AMENDMENTS THERETO FILED
PURSUANT TO RULE 13d-2(b)
(Amendment No. 2)*
FIDELITY FINANCIAL OF OHIO, INC.
- -----------------------------------------------------------------------------
(Name of Issuer)
COMMON STOCK, PAR VALUE $.10 PER SHARE
- -----------------------------------------------------------------------------
(Title of Class of Securities)
31614P 10 7
- -----------------------------------------------------------------------------
(CUSIP Number)
DECEMBER 31, 1998
- -----------------------------------------------------------------------------
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
[x] Rule 13d-1(b)
Page 1 of 6 Pages
<PAGE>
- --------------------- -----------------
CUSIP NO. 31614P 10 7 Page 2 of 6 pages
- --------------------- -----------------
- -----------------------------------------------------------------------------
1.
NAME OF REPORTING PERSON
I.R.S. IDENTIFICATION NO. OF ABOVE PERSON (ENTITY ONLY)
Fidelity Federal Savings Bank Employee Stock Ownership Plan Trust
- -----------------------------------------------------------------------------
2.
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [ ]
- -----------------------------------------------------------------------------
3.
SEC USE ONLY
- -----------------------------------------------------------------------------
4.
CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- -----------------------------------------------------------------------------
5.
NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH SOLE VOTING
POWER
166,896
- -----------------------------------------------------------------------------
6.
NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH SHARED
VOTING POWER
160,679
- -----------------------------------------------------------------------------
7.
NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH SOLE
DISPOSITIVE POWER
166,896
- -----------------------------------------------------------------------------
8.
NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON WITH SHARED
DISPOSITIVE POWER
160,679
- -----------------------------------------------------------------------------
9.
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
327,575
- -----------------------------------------------------------------------------
10.
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES
[ ]
- -----------------------------------------------------------------------------
11.
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
5.8%
- -----------------------------------------------------------------------------
12.
TYPE OF REPORTING PERSON
EP
- -----------------------------------------------------------------------------
<PAGE>
- --------------------- -----------------
CUSIP NO. 31614P 10 7 Page 3 of 6 Pages
- --------------------- -----------------
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 Rule 13d-1(b), or
13d-2(b) or (c), check whether the person filing is a:
[X] An employee benefit plan or endowment fund in
accordance with Rule 13d-1 (b)(1)(ii)(F).
Item 4. Ownership.
(a) Amount beneficially owned:
327,575 Shares of Common Stock
<PAGE>
- -------------------- -----------------
CUSIP NO.31614P 10 7 Page 4 of 6 Pages
- -------------------- -----------------
(b) Percent of class:
5.8%
(c) Number of shares as to which such person has:
(i) Sole power to vote or to direct the vote 166,896
-----------
(ii) Shared power to vote or to direct the vote 160,679
-----------
(iii) Sole power to dispose or to direct the disposition of
166,896
-------
(iv) Shared power to dispose or to direct the disposition of
160,679
-------
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, 1998,
166,896 shares of Common Stock held in the Trust were unallocated
and 160,679 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.
<PAGE>
- --------------------- -----------------
CUSIP NO. 31614P 10 7 Page 5 of 6 Pages
- --------------------- -----------------
Item 10. Certification.
By signing below, We certify that, to the best of our knowledge and
belief, the securities referred to above were acquired and are held
in the ordinary course of business and were not acquired and are not
held for the purpose of or with the effect of changing or
influencing the control of the issuer of the securities and were not
acquired and are not held in connection with or as a participant in
any transaction having that purpose or effect.
<PAGE>
- --------------------- -----------------
CUSIP NO. 31614P 10 7 Page 6 of 6 Pages
- --------------------- -----------------
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 10, 1999 By: /s/ John R. Reusing
-------------------------------
John R. Reusing
Trustee
Date: February 10, 1999 By: /s/ Paul D. Staubach
-------------------------------
Paul D. Staubach
Trustee
Date: February 10, 1999 By: /s/ Joseph D. Hughes
-------------------------------
Joseph D. Hughes
Trustee
<PAGE>
