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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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<PAGE> PAGE 22
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070 F010400 N
070 F020400 N
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070 H020400 N
070 I010400 N
070 I020400 N
070 J010400 N
070 J020400 N
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070 K020400 N
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070 L020400 N
070 M010400 N
070 M020400 N
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070 P020400 N
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070 Q020400 N
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<PAGE> PAGE 23
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<PAGE> PAGE 24
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008 A000501 FLAGSHIP FINANCIAL INC.
008 B000501 A
008 C000501 801-14147
008 D010501 DAYTON
008 D020501 OH
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012 A000501 BOSTON FINANCIAL DATA SERVICES
012 B000501 84-00896
012 C010501 BOSTON
012 C020501 MA
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015 A000501 STATE STREET BANK & TRUST CO.
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<PAGE> PAGE 25
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<PAGE> PAGE 26
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<PAGE> PAGE 27
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<PAGE> PAGE 28
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<PAGE> PAGE 29
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SIGNATURE RICHARD P. DAVIS
TITLE PRESIDENT
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