YORK FINANCIAL CORP
425, 2000-09-05
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                                   Filer: Harris Financial, Inc.
                                           Subject Company: York Financial Corp.
                                           Registration Statement No.: 333-40048

                       [Logo of Waypoint Financial Corp.]
               (Proposed Holding Company for Harris Savings Bank)

Up to 26,450,000
Shares of Common Stock
Price: $10 Per Share

Waypoint Financial Corp., newly formed to replace Harris Financial,  Inc. as the
holding  company for Harris  Savings  Bank,  is conducting an offering of common
stock.  Shares may be purchased  directly  from  Waypoint  Financial  during the
offering period.

This stock offering expires at 10:00 AM on September 25, 2000.

                          You Are Cordially Invited...

             ...to an informational meeting and reception to learn
           about the business focus of Waypoint Financial, its stock
            offering and the proposed merger of Harris Savings Bank
                 and York Federal Savings and Loan Association.

               To make a reservation to attend the informational
              meeting, call the Stock Information Center toll-free
                               at 1-877-902-7556.

                         Wednesday, September 13, 2000
                     Radisson Penn Harris Convention Center
                        1150 Camp Hill Bypass, Camp Hill
                                    7:00 PM

                           Light Refreshments Served

[Logo of Harris Savings Bank]
[Logo of York Federal Savings and Loan Association]

Harris  Financial  has  filed  a  prospectus  and  related  documents  with  the
Securities  and Exchange  Commission,  and Harris  Financial and York  Financial
Corp.  have filed a joint proxy  statement and prospectus and related  documents
with the Commission.  We urge stockholders and potential investors to read these
documents because they contain important information relating to the offering of
the stock and the proposed merger. You can obtain these documents free of charge
at the  Commission's  website,  http://www.sec.gov.  To  receive  a copy  of the
prospectus  free of  charge,  call the Stock  Information  Center  toll-free  at
1-877-902-7556, Monday through Friday, 9:00 AM to 4:00 PM.

The shares of common  stock are not savings  accounts  or  deposits  and are not
insured by the Federal  Deposit  Insurance  Corporation or any other  government
agency.


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