(b) Exhibit 15 - Awareness Letter from Crowe, Chizek & Company LLP
Board of Directors and Shareholders
Ottawa Financial Corporation
Holland, Michigan
We have reviewed, in accordance with standards established by the American Institute of Certified Public
Accountants, the unaudited interim financial information of Ottawa Financial Corporation as of and for the periods
ended September 30, 2000 and 1999 as indicated in our report dated October 16, 2000. Because we did not perform
an audit, we expressed no opinion on that information. We are aware that our report referred to above, which was
included in your quarterly report on Form 10-Q, is being incorporated by reference in Registration Statements (File
Nos. 333-1350, 333-4242 and 333-79843) on Form S-8 and in the Registration Statement (File No. 333-4950) on Form
S-3.
We also are aware that our report referred to above, under Rule 436(c) under the Securities Act of 1933, is not
considered a part of the registration statement prepared or certified by an accountant or a report prepared or certified
by an accountant within the meaning of Sections 7 and 11 of the Act.
Crowe, Chizek
and Company LLP
Grand Rapids, Michigan
October 16, 2000
