Capital Savings Bancorp, Inc.

Capital Savings Bankcorp, Inc., is a federally chartered stock savings bank. The Bank offers a variety of financial services to individuals and corporate houses through its main office in Jefferson City, Missouri and its five branches located in Missouri. The bank's primary deposit product are the interest-bearing checking and savings accounts and certificates of deposit. The bank's primary lending products are one-to-four family mortgages and residential loans. Interest on fees and loans accounted for 80% of fiscal 1997 revenues; other interest income, 14% and non-interest income, 6%.