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<PAGE> 1
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
(Mark One)
[ X ] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934
For the fiscal year ended December 31, 1996
OR
[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the transition period from ________________ to ______________
A. Full title of the plan and the address of the plan, if different from that
of the issuer named below:
Potters Savings and Loan 401(k) Retirement Savings Plan
B. Name of issuer of the securities held pursuant to the plan and the address
of its principal executive office:
Potters Financial Corporation
519 Broadway
East Liverpool, Ohio 43920
<PAGE> 2
REQUIRED INFORMATION
Changes in Net Assets Available for Payment of Benefits
The Potters Savings and Loan Company
For the year ended December 31,
(At market value)
<TABLE>
<CAPTION>
1996
-------
<S> <C>
Net Assets at Beginning of Year $ 0
Income
Contributions:
Employee Deferrals 19,078
Employer Matching 8,136
Employer Discretionary 25,304
Other 0
-------
52,518
Investment Income and Appreciation 563
-------
Total Income 53,081
Expenses
Benefits Paid 0
Administrative Fees 0
Total Expenses 0
Total Income Less Total Expenses 53,081
-------
Net Assets at End of Year $53,081
=======
</TABLE>
Net Assets Available for Payment of Benefits
The Potters Savings and Loan Company
At December 31,
(At market values)
<TABLE>
<CAPTION>
1996
-------
<S> <C>
Cash $ 0
Plan Contributions Receivable:
Employee Deferrals 7,693
Employer Matching 3,269
Employer Discretionary 25,304
-------
36,266
Investments in Pooled Funds 16,815
Loans to Participants 0
-------
Total Assets $53,081
=======
Liabilities
Accounts Payable $ 0
Other Liabilities 0
-------
Total Liabilities 0
-------
Net Assets $53,081
=======
</TABLE>
<PAGE> 3
SIGNATURES
The Plan. Pursuant to the requirements of the Securities Exchange Act
of 1934, the trustees (or other persons who administer the employee benefit
plan) have duly caused this annual report to be signed on its behalf by the
undersigned hereunto duly authorized.
POTTERS SAVINGS AND LOAN 401(K) RETIREMENT SAVINGS PLAN
-------------------------------------------------------
(Name of Plan)
DATE: May 22, 1997 /s/ Edward L. Baumgardner
----------------------------
(Signature)
Edward L. Baumgardner
----------------------------
(Typed Name)
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