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. 4)*
FIRSTFED BANCORP, INC.
- --------------------------------------------------------------------------------
(Name of Issuer)
COMMON STOCK
- --------------------------------------------------------------------------------
(Title of Class of Securities)
33761Q102
- --------------------------------------------------------------------------------
(CUSIP Number)
N/A
- --------------------------------------------------------------------------------
(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)
|X| Rule 13d-1(c)
|_| 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 1 of 15 pages
<PAGE>
CUSIP NO. 33761Q102 13G Page 2 of 15
========= ======================================================================
1 NAMES OF REPORTING PERSONS: First Federal Savings Bank Employee
Stock Ownership Plan Trust
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) 63-1062013
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |X|
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
3 SEC USE ONLY
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
State of Alabama
- --------- ----------------------------------------------------------------------
- -------------------------- --- -------------------------------------------------
NUMBER OF SHARES 5 SOLE VOTING POWER 0
-------
--- -------------------------------------------------
--- -------------------------------------------------
BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 227,916
-------
--- -------------------------------------------------
--- -------------------------------------------------
EACH REPORTING 7 SOLE DISPOSITIVE POWER 0
-------
--- -------------------------------------------------
--- -------------------------------------------------
PERSON 8 SHARED DISPOSITIVE POWER 227,916
-------
WITH
--- -------------------------------------------------
- --------- ----------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
227,916
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
[ ]
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
9.10 %
- --------- ----------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
EP
========= ======================================================================
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP NO. 33761Q102 13G Page 3 of 15
========= ======================================================================
1 NAMES OF REPORTING PERSONS: B. K. Goodwin, III
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |X|
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
3 SEC USE ONLY
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States of America
- --------- ----------------------------------------------------------------------
- -------------------------- --- -------------------------------------------------
NUMBER OF SHARES 5 SOLE VOTING POWER 74,773
------
--- -------------------------------------------------
--- -------------------------------------------------
BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 2,186
-------
--- -------------------------------------------------
--- -------------------------------------------------
EACH REPORTING 7 SOLE DISPOSITIVE POWER 74,773
------
--- -------------------------------------------------
--- -------------------------------------------------
PERSON 8 SHARED DISPOSITIVE POWER 2,186
-------
WITH
--- -------------------------------------------------
- --------- ----------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
76,959
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
[ ]
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
3.07 %
- --------- ----------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
========= ======================================================================
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP NO. 33761Q102 13G Page 4 of 15
========= ======================================================================
1 NAMES OF REPORTING PERSONS: A. W. Kuhn
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |X|
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
3 SEC USE ONLY
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States of America
- --------- ----------------------------------------------------------------------
- -------------------------- --- -------------------------------------------------
NUMBER OF SHARES 5 SOLE VOTING POWER 3,496
--------
--- -------------------------------------------------
--- -------------------------------------------------
BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 111,326
-------
--- -------------------------------------------------
--- -------------------------------------------------
EACH REPORTING 7 SOLE DISPOSITIVE POWER 3,357
-------
--- -------------------------------------------------
--- -------------------------------------------------
PERSON 8 SHARED DISPOSITIVE POWER 111,326
-------
WITH
--- -------------------------------------------------
- --------- ----------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
114,822
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
[ ]
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
4.59%
- --------- ----------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
========= ======================================================================
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP NO. 33761Q102 13G Page 5 of 15
========= ======================================================================
1 NAMES OF REPORTING PERSONS: Robert E. Paden
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |X|
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
3 SEC USE ONLY
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States of America
- --------- ----------------------------------------------------------------------
- -------------------------- --- -------------------------------------------------
NUMBER OF SHARES 5 SOLE VOTING POWER 75,123
------
--- -------------------------------------------------
--- -------------------------------------------------
BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 0
------
--- -------------------------------------------------
--- -------------------------------------------------
EACH REPORTING 7 SOLE DISPOSITIVE POWER 75,117
------
--- -------------------------------------------------
--- -------------------------------------------------
PERSON 8 SHARED DISPOSITIVE POWER 0
------
WITH
--- -------------------------------------------------
- --------- ----------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
75,123
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
[ ]
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
3.00%
- --------- ----------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
========= ======================================================================
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP NO. 33761Q102 13G Page 6 of 15
========= ======================================================================
1 NAMES OF REPORTING PERSONS: Fred T. Blair
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |X|
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
3 SEC USE ONLY
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States of America
- --------- ----------------------------------------------------------------------
- -------------------------- --- -------------------------------------------------
NUMBER OF SHARES 5 SOLE VOTING POWER 9,281
-------
--- -------------------------------------------------
--- -------------------------------------------------
BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 30,496
------
--- -------------------------------------------------
--- -------------------------------------------------
EACH REPORTING 7 SOLE DISPOSITIVE POWER 9,275
-------
--- -------------------------------------------------
--- -------------------------------------------------
PERSON 8 SHARED DISPOSITIVE POWER 30,496
------
WITH
--- -------------------------------------------------
- --------- ----------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
39,777
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
[ ]
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
1.59%
- --------- ----------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
========= ======================================================================
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP NO. 33761Q102 13G Page 7 of 15
========= ======================================================================
1 NAMES OF REPORTING PERSONS: Malcolm E. Lewis
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |X|
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
3 SEC USE ONLY
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States of America
- --------- ----------------------------------------------------------------------
- -------------------------- --- -------------------------------------------------
NUMBER OF SHARES 5 SOLE VOTING POWER 43,440
------
--- -------------------------------------------------
--- -------------------------------------------------
BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 42,000
------
--- -------------------------------------------------
--- -------------------------------------------------
EACH REPORTING 7 SOLE DISPOSITIVE POWER 43,301
------
--- -------------------------------------------------
--- -------------------------------------------------
PERSON 8 SHARED DISPOSITIVE POWER 42,000
------
WITH
--- -------------------------------------------------
- --------- ----------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
85,440
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
[ ]
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
3.41%
- --------- ----------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
========= ======================================================================
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP NO. 33761Q102 13G Page 8 of 15
========= ======================================================================
1 NAMES OF REPORTING PERSONS: G. Larry Russell
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |X|
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
3 SEC USE ONLY
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States of America
- --------- ----------------------------------------------------------------------
- -------------------------- --- -------------------------------------------------
NUMBER OF SHARES 5 SOLE VOTING POWER 45,783
------
--- -------------------------------------------------
--- -------------------------------------------------
BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 4,120
------
--- -------------------------------------------------
--- -------------------------------------------------
EACH REPORTING 7 SOLE DISPOSITIVE POWER 45,777
------
--- -------------------------------------------------
--- -------------------------------------------------
PERSON 8 SHARED DISPOSITIVE POWER 4,120
------
WITH
--- -------------------------------------------------
- --------- ----------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
49,903
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
[ ]
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
1.99%
- --------- ----------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
========= ======================================================================
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP NO. 33761Q102 13G Page 9 of 15
========= ======================================================================
1 NAMES OF REPORTING PERSONS: James E. Mulkin
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |X|
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
3 SEC USE ONLY
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States of America
- --------- ----------------------------------------------------------------------
- -------------------------- --- -------------------------------------------------
NUMBER OF SHARES 5 SOLE VOTING POWER 64,813
------
--- -------------------------------------------------
--- -------------------------------------------------
BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 13,729
------
--- -------------------------------------------------
--- -------------------------------------------------
EACH REPORTING 7 SOLE DISPOSITIVE POWER 64,813
------
--- -------------------------------------------------
--- -------------------------------------------------
PERSON 8 SHARED DISPOSITIVE POWER 13,729
------
WITH
--- -------------------------------------------------
- --------- ----------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
78,542
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
[ ]
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
3.14%
- --------- ----------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
========= ======================================================================
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP NO. 33761Q102 13G Page 10 of 15
========= ======================================================================
1 NAMES OF REPORTING PERSONS: E. H. Moore, Jr.
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |X|
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
3 SEC USE ONLY
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States of America
- --------- ----------------------------------------------------------------------
- -------------------------- --- -------------------------------------------------
NUMBER OF SHARES 5 SOLE VOTING POWER 77,812
------
--- -------------------------------------------------
--- -------------------------------------------------
BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 4,000
------
--- -------------------------------------------------
--- -------------------------------------------------
EACH REPORTING 7 SOLE DISPOSITIVE POWER 77,812
------
--- -------------------------------------------------
--- -------------------------------------------------
PERSON 8 SHARED DISPOSITIVE POWER 4,000
------
WITH
--- -------------------------------------------------
- --------- ----------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
81,812
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
[ ]
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
3.27%
- --------- ----------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
========= ======================================================================
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP NO. 33761Q102 13G Page 11 of 15
========= ======================================================================
1 NAMES OF REPORTING PERSONS: James B. Koikos
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) |_|
(b) |X|
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
3 SEC USE ONLY
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States of America
- --------- ----------------------------------------------------------------------
- -------------------------- --- -------------------------------------------------
NUMBER OF SHARES 5 SOLE VOTING POWER 32,055
------
--- -------------------------------------------------
--- -------------------------------------------------
BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 12,000
------
--- -------------------------------------------------
--- -------------------------------------------------
EACH REPORTING 7 SOLE DISPOSITIVE POWER 32,055
------
--- -------------------------------------------------
--- -------------------------------------------------
PERSON 8 SHARED DISPOSITIVE POWER 12,000
------
WITH
--- -------------------------------------------------
- --------- ----------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
44,055
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
[ ]
- --------- ----------------------------------------------------------------------
- --------- ----------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
1.76%
- --------- ----------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
========= ======================================================================
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
Page 12 of 15
ITEM 1(A) NAME OF ISSUER:
FirstFed Bancorp, Inc.
ITEM 1(B) ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICER:
1630 Fourth Avenue, North
Bessemer, Alabama 35020-5711
ITEM 2(A) NAME OF PERSON(S) FILING:
First Federal Savings Bank Employee Stock Ownership Plan Trust ("ESOP") and
the following individuals who serve as the ESOP Committee under the ESOP: B. K.
Goodwin, III, A. W. Kuhn, Robert E. Paden, Fred T. Blair, Malcolm E. Lewis, G.
Larry Russell, James E. Mulkin, E. H. Moore, Jr., and James B. Koikos.
ITEM 2(B) ADDRESS OF PRINCIPAL BUSINESS OFFICE:
Same as Item 1(b).
ITEM 2(C) CITIZENSHIP:
See Row 4 of the second part of the cover page provided for each reporting
person.
ITEM 2(D) TITLE OF CLASS OF SECURITIES:
Common Stock, par value $.01 per share.
ITEM 2(E) CUSIP NUMBER:
See the upper left corner of the second part of the cover page provided for
each reporting person.
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:
(f) |X| An employee benefit plan or endowment fund in accordance with
Rule 13d-1(b)(1)(ii)(F);
If this statement is filed pursuant to Rule 13d-1(c), check this box. |X|
Items (a), (b), (c), (d), (e), (g), (h), (i), and (j) are not applicable.
This Schedule 13G is being filed on behalf of the ESOP identified in Item 2(a),
filing under the Item 3(f) classification, and by each member of the ESOP
committee, filing pursuant to Rule 13d-1(c) and applicable SEC no-action
letters.
ITEM 4. OWNERSHIP.
(a) Amount Beneficially Owned: See Row 9 of the second part of the cover
page provided for each reporting person.
<PAGE>
Page 13 of 15
(b) Percent of Class: See Row 11 of the second part of the cover page
provided for each reporting person.
(c) See Rows 5, 6, 7, and 8 of the second part of the cover page provided
for each reporting person.
ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
If this statement is being filed to report the fact that as of the date
hereof the reporting person has ceased to be the beneficial owner of more than
five percent of the class of securities, check the following: |_|
ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON.
First Federal Savings Bank, in its capacity as the ESOP Committee, has the
power to determine whether dividends on allocated shares that are paid to the
ESOP trust are distributed to participants or are used to repay the ESOP loan.
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.
ITEM 10. CERTIFICATION.
By signing below, each signatory in the capacity of an ESOP trustee
certifies that, to the best of his 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.
By signing below, each signatory in his individual capacity certifies that,
to the best of his knowledge and belief, the securities referred to above 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>
Page 14 of 15
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.
FIRST FEDERAL SAVINGS BANK
EMPLOYEE STOCK OWNERSHIP PLAN TRUST
/s/ B. K. Goodwin, III February 14, 2000
- ----------------------------------------------------- -----------------
B. K. Goodwin, III, as ESOP Committee Member Date
/s/ A. W. Kuhn February 14, 2000
- ----------------------------------------------------- -----------------
A. W. Kuhn, as ESOP Committee Member Date
/s/ Robert E. Paden February 14, 2000
- ----------------------------------------------------- -----------------
Robert E. Paden, as ESOP Committee Member Date
/s/ Fred T. Blair February 14, 2000
- ----------------------------------------------------- -----------------
Fred T. Blair, as ESOP Committee Member Date
/s/ Malcolm E. Lewis February 14, 2000
- ----------------------------------------------------- -----------------
Malcolm E. Lewis, as ESOP Committee Member Date
/s/ G. Larry Russell February 14, 2000
- ----------------------------------------------------- -----------------
G. Larry Russell, as ESOP Committee Member Date
/s/ James E. Mulkin February 14, 2000
- ----------------------------------------------------- -----------------
James E. Mulkin, as ESOP Committee Member Date
/s/ E. H. Moore, Jr. February 14, 2000
- ----------------------------------------------------- -----------------
E. H. Moore, Jr., as ESOP Committee Member Date
/s/ James B. Koikos February 14, 2000
- ----------------------------------------------------- -----------------
James B. Koikos, as ESOP Committee Member Date
<PAGE>
Page 15 of 15
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.
FIRST FEDERAL SAVINGS BANK
EMPLOYEE STOCK OWNERSHIP PLAN TRUST
/s/ B. K. Goodwin, III February 14, 2000
- ----------------------------------------------------- -----------------
B. K. Goodwin, III, as an Individual Stockholder Date
/s/ A. W. Kuhn February 14, 2000
- ----------------------------------------------------- -----------------
A. W. Kuhn, as an Individual Stockholder Date
/s/ Robert E. Paden February 14, 2000
- ----------------------------------------------------- -----------------
Robert E. Paden, as an Individual Stockholder Date
/s/ Fred T. Blair February 14, 2000
- ----------------------------------------------------- -----------------
Fred T. Blair, as an Individual Stockholder Date
/s/ Malcolm E. Lewis February 14, 2000
- ----------------------------------------------------- -----------------
Malcolm E. Lewis, as an Individual Stockholder Date
/s/ G. Larry Russell February 14, 2000
- ----------------------------------------------------- -----------------
G. Larry Russell, as an Individual Stockholder Date
/s/ James E. Mulkin February 14, 2000
- ----------------------------------------------------- -----------------
James E. Mulkin, as an Individual Stockholder Date
/s/ E. H. Moore, Jr. February 14, 2000
- ----------------------------------------------------- -----------------
E. H. Moore, Jr., as an Individual Stockholder Date
/s/ James B. Koikos February 14, 2000
- ----------------------------------------------------- -----------------
James B. Koikos, as an Individual Stockholder Date
