Independent Accountants' Report
Board of Directors
Community Investors Bancorp, Inc.
119 South Sandusky Avenue
Bucyrus, Ohio 44820
We have reviewed the accompanying consolidated statements of financial
condition, earnings, comprehensive income, and cash flows of Community Investors
Bancorp, Inc. as of September 30, 2000, and for the three-month period then
ended. The financial statements are the responsibility of the Corporation's
management.
We conducted our review in accordance with standards established by the American
Institute of Certified Public Accountants. A review of interim financial
information consists principally of applying analytical procedures to financial
data and making inquiries of persons responsible for financial and accounting
matters. It is substantially less in scope than an audit conducted in accordance
with generally accepted auditing standards, the objective of which is the
expression of an opinion regarding the financial statements taken as a whole.
Accordingly, we do not express such an opinion.
Based on our review, we are not aware of any material modifications that should
be made to the accompanying financial statements for them to be in conformity
with generally accepted accounting principles.
We have previously audited, in accordance with generally accepted auditing
standards, the consolidated statement of financial condition as of June 30,
2000, and the related consolidated statements of earnings, stockholders' equity,
and cash flows for the year then ended (not presented herein) and in our report
dated August 16, 2000, we expressed an unqualified opinion on those consolidated
financial statements. In our opinion, the information set forth in the
accompanying consolidated statement of financial condition as of June 30, 2000,
is fairly stated, in all material respects, in relation to the consolidated
statement of financial condition from which it has been derived.
/s/GRANT THORNTON LLP
Cincinnati, Ohio
November 10, 2000
