(b) Exhibit 15 - Awareness Letter from Crowe, Chizek & Company LLP
July 14, 2000
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 for the periods ended June 30, 2000
and 1999 as indicated in our report dated July 14, 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
