<PAGE> 1
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. )*
Potters Financial Corporation
- --------------------------------------------------------------------------------
(Name of Issuer)
Common Stock
- --------------------------------------------------------------------------------
(Title of Class of Securities)
73814 0 10 2
- --------------------------------------------------------------------------------
(CUSIP Number)
December 31, 1999
- --------------------------------------------------------------------------------
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
[ ] Rule 13d-1(b)
[ ] Rule 13d-1(c)
[X] Rule 13d-1(d)
* The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).
<PAGE> 2
- ---------------------------------------
CUSIP No. 73814 0 10 2 13G
--------------------
- ---------------------------------------
- --------------------------------------------------------------------------------
1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
William G. Billingsley
- --------------------------------------------------------------------------------
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 SOLE VOTING POWER
55,279
NUMBER OF ---------------------------------------------------
SHARES 6 SHARED VOTING POWER
BENEFICIALLY
OWNED 2,200
BY EACH ---------------------------------------------------
REPORTING PERSON 7 SOLE DISPOSITIVE POWER
WITH
55,279
---------------------------------------------------
8 SHARED DISPOSITIVE POWER
2,200
- --------------------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
57,479
- --------------------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
- --------------------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
5.9%
- --------------------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
- --------------------------------------------------------------------------------
<PAGE> 3
Item 1(a). Name of Issuer:
- ----------
Potters Financial Corporation
Item 1(b). Address of Issuer's Principal Executive Offices:
- ----------
519 Broadway
East Liverpool, Ohio 43920
Item 2(a). Name of Person Filing:
- ----------
William G. Billingsley
Item 2(b). Address of Principal Business Office or, if none,
- ---------- Residence:
1110 Dairy Lane
East Liverpool, Ohio 43920
Item 2(c). Citizenship:
- ----------
United States
Item 2(d). Title and Class of Securities:
- ----------
Common Stock
Item 2(e). CUSIP Number
- ----------
73814 0 10 2
Item3. If this statement is filed pursuant to Rules 13d-1(b), or
- ------ 13d-2(b), check whether the person filing is a:
(a) [ ] Broker or Dealer registered under Section 15
of the Act
(b) [ ] Bank as defined in section 3(a)(19) of the
Act
(c) [ ] Insurance Company as defined in section
3(a)(19) of the Act
<PAGE> 4
(d) [ ] Investment Company registered under section
8 of the Investment Company Act
(e) [ ] Investment Advisor registered under section
203 of the Investment Advisers Act of 1940
(f) [ ] Employee Benefit Plan, Pension Fund which is
subject to the provisions of the Employee
Retirement Income Security Act of 1974 or
Endowment Fund; see ss.240.13d-1(b)(1)(ii)(F)
(g) [ ] Parent Holding Company, in accordance with
ss. 240.13d-1(b)(1)(ii)(G)
(h) [ ] Group, in accordance with
ss. 240.13d-1(b)(1)(ii)(H)
Item 4. Ownership:
- -------
(a) Amount Beneficially Owned:
57,479
(b) Percent of Class:
5.9%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct the
vote: 55,279
(ii) shared power to vote or to direct
the vote: 2,200
(iii) sole power to dispose or to direct
the disposition of: 55,279
(iv) shared power to dispose or to direct
the disposition of: 2,200
Item 5. Ownership of Five Percent or Less of a Class:
- -------
Inapplicable
Item 6. Ownership of More Than Five Percent on Behalf of Another
- ------- Person:
Inapplicable
Item 7. Identification and Classification of the Subsidiary Which
- ------- Acquired the Security Being Reported on by the Parent
Holding Company:
Inapplicable
<PAGE> 5
Item 8. Identification and Classification of Members of the
- ------- Group:
Inapplicable
Item 9. Notice of Dissolution of Group:
- -------
Inapplicable
Item 10. Certification:
- -------
By signing below, I certify that, to the best of
my 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 purposes or effect.
Signature:
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true,
complete and correct.
January 19, 2000 /s/ William G. Billingsley
- ------------------------------- ----------------------------------------
Date William G. Billingsley
