SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
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FORM 10-Q/A
(Amendment No. One)
QUARTERLY REPORT UNDER SECTION 13 OR 15 (D)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the Quarter Ended March 31, 1999 Commission File Number 0-24120
WESTERN OHIO FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
DELAWARE 31-1403116
----------------------------- ------------------------
(State of jurisdiction of (I.R.S. Employer
incorporation or organization) Identification Number)
28 EAST MAIN STREET, SPRINGFIELD, OHIO 45501-0719
- -------------------------------------- ----------
(Address of principal executive offices) (Zip Code)
(937) 325-4683
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(Registrant's telephone number, including area code)
Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934
during the preceding 12 months (or for such shorter period that the registrant
was required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.
YES [X] NO [ ]
As of May 6, 1999 there were 1,988,507 shares of the Registrant's common stock
issued and outstanding.
<PAGE>
SIGNATURES
Pursuant to the requirement of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
WESTERN OHIO FINANCIAL CORPORATION
REGISTRANT
Date: May 20, 1999 /s/ John Raisbeck
-------------------- ----------------------------------------
John W. Raisbeck, President
and Chief Executive Officer
(DULY AUTHORIZED OFFICER)
Date: May 20, 1999 /s/ Craig F. Fortin
-------------------- ---------------------------------------
Craig F. Fortin, Senior Vice President,
Treasurer and Chief Financial Officer
(PRINCIPAL FINANCIAL AND ACCOUNTING
OFFICER)
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED MARCH 31, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> Dec-31-1999
<PERIOD-END> Mar-31-1999
<CASH> 3,192
<INT-BEARING-DEPOSITS> 2,412
<FED-FUNDS-SOLD> 4,500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 9,575
<INVESTMENTS-CARRYING> 9,575
<INVESTMENTS-MARKET> 9,575
<LOANS> 253,373
<ALLOWANCE> (3,160)
<TOTAL-ASSETS> 317,701
<DEPOSITS> 198,401
<SHORT-TERM> 16,600
<LIABILITIES-OTHER> 2,163
<LONG-TERM> 54,414
0
0
<COMMON> 26
<OTHER-SE> 46,097
<TOTAL-LIABILITIES-AND-EQUITY> 317,701
<INTEREST-LOAN> 4,620
<INTEREST-INVEST> 765
<INTEREST-OTHER> 458
<INTEREST-TOTAL> 5,843
<INTEREST-DEPOSIT> 2,369
<INTEREST-EXPENSE> 1,038
<INTEREST-INCOME-NET> 2,437
<LOAN-LOSSES> 32
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,052
<INCOME-PRETAX> 710
<INCOME-PRE-EXTRAORDINARY> 451
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 451
<EPS-PRIMARY> 0.22
<EPS-DILUTED> 0.22
<YIELD-ACTUAL> 3.18
<LOANS-NON> 4,052
<LOANS-PAST> 4,052
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,880
<ALLOWANCE-OPEN> 3,200
<CHARGE-OFFS> 87
<RECOVERIES> 15
<ALLOWANCE-CLOSE> 3,160
<ALLOWANCE-DOMESTIC> 3,160
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
