-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, R5rmj330im/oMqiUC2I/IMo4LGCMhfjj7n/F3fOfkIwwXaYRMoYIZtz5EESV/srD lnMwihh+AQDNoIA3RJvlmw== 0001025537-99-000017.txt : 19990212 0001025537-99-000017.hdr.sgml : 19990212 ACCESSION NUMBER: 0001025537-99-000017 CONFORMED SUBMISSION TYPE: SC 13G/A PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 19990211 GROUP MEMBERS: A.W. KUHN GROUP MEMBERS: B.K. GOODWIN, III GROUP MEMBERS: E. H. MOORE, JR. GROUP MEMBERS: FIRST FEDERAL SAVINGS BANK EMPLOYEE STOCK OWNERSHIP PLAN GROUP MEMBERS: FRED T. BLAIR GROUP MEMBERS: G. LARRY RUSSELL GROUP MEMBERS: JAMES B. KOIKOS GROUP MEMBERS: JAMES E. MULKIN GROUP MEMBERS: MALCOLM E. LEWIS GROUP MEMBERS: ROBERT E. PADEN SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: FIRSTFED BANCORP INC CENTRAL INDEX KEY: 0000876947 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 631048648 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13G/A SEC ACT: SEC FILE NUMBER: 005-41864 FILM NUMBER: 99530699 BUSINESS ADDRESS: STREET 1: 1630 4TH AVE N CITY: BESSEMER STATE: AL ZIP: 35020 BUSINESS PHONE: 2054288472 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: FIRST FEDERAL SAVINGS BANK EMPLOYEE STOCK OWNERSHIP PLAN CENTRAL INDEX KEY: 0001008689 STANDARD INDUSTRIAL CLASSIFICATION: [] IRS NUMBER: 631062013 STATE OF INCORPORATION: AL FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13G/A BUSINESS ADDRESS: STREET 1: 1630 FOURTH AVENUE NORTH CITY: BREESEMER STATE: AL ZIP: 35020-5711 BUSINESS PHONE: 2054288472 SC 13G/A 1 AMENDMENT NO. 3 TO 13G FOR 1999 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G (RULE 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES 13d-1(b) (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 3)* FIRSTFED BANCORP, INC. - -------------------------------------------------------------------------------- (Name of Issuer) COMMON STOCK - -------------------------------------------------------------------------------- (Title of Class of Securities) 33761Q102 - -------------------------------------------------------------------------------- (CUSIP Number) N/A - -------------------------------------------------------------------------------- (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Schedule is filed: |X| Rule 13d-1(b) |X| Rule 13d-1(c) |_| Rule 13d-1(d) *The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page. The information required in the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes). Page 1 of 14 pages CUSIP NO. 33761Q102 13G Page 2 of 14 Pages ================================================================================ 1 NAMES OF REPORTING PERSONS: First Federal Savings Bank Employee Stock Ownership Plan Trust I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) 63-1062013 - -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_| (b) |X| - -------------------------------------------------------------------------------- 3 SEC USE ONLY - -------------------------------------------------------------------------------- 4 CITIZENSHIP OR PLACE OF ORGANIZATION State of Alabama - -------------------------------------------------------------------------------- NUMBER OF SHARES 5 SOLE VOTING POWER 0 --------------------------------------------------------------- BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 231,632 --------------------------------------------------------------- EACH REPORTING 7 SOLE DISPOSITIVE POWER 0 --------------------------------------------------------------- PERSON 8 SHARED DISPOSITIVE POWER 231,632 WITH - -------------------------------------------------------------------------------- 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 231,632 - -------------------------------------------------------------------------------- 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* |__| - -------------------------------------------------------------------------------- 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 9.4% - -------------------------------------------------------------------------------- 12 TYPE OF REPORTING PERSON* EP ================================================================================ *SEE INSTRUCTION BEFORE FILLING OUT! CUSIP NO. 33761Q102 13G Page 3 of 14 Pages ================================================================================ 1 NAMES OF REPORTING PERSONS: B. K. Goodwin, III I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) - -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_| (b) |X| - -------------------------------------------------------------------------------- 3 SEC USE ONLY - -------------------------------------------------------------------------------- 4 CITIZENSHIP OR PLACE OF ORGANIZATION United States of America - -------------------------------------------------------------------------------- NUMBER OF SHARES 5 SOLE VOTING POWER 71,918 --------------------------------------------------------------- BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 1,675 --------------------------------------------------------------- EACH REPORTING 7 SOLE DISPOSITIVE POWER 63,681 --------------------------------------------------------------- PERSON 8 SHARED DISPOSITIVE POWER 1,675 WITH - -------------------------------------------------------------------------------- 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 73,593 - -------------------------------------------------------------------------------- 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* |__| - -------------------------------------------------------------------------------- 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 3.0% - -------------------------------------------------------------------------------- 12 TYPE OF REPORTING PERSON* IN ================================================================================ *SEE INSTRUCTION BEFORE FILLING OUT! CUSIP NO. 33761Q102 13G Page 4 of 14 Pages ================================================================================ 1 NAMES OF REPORTING PERSONS: A. W. Kuhn I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) - -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_| (b) |X| - -------------------------------------------------------------------------------- 3 SEC USE ONLY - -------------------------------------------------------------------------------- 4 CITIZENSHIP OR PLACE OF ORGANIZATION United States of America - -------------------------------------------------------------------------------- NUMBER OF SHARES 5 SOLE VOTING POWER 2,938 ----------------------------------------------------------------- BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 111,490 ----------------------------------------------------------------- EACH REPORTING 7 SOLE DISPOSITIVE POWER 847 ----------------------------------------------------------------- PERSON 8 SHARED DISPOSITIVE POWER 111,490 WITH - -------------------------------------------------------------------------------- 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 111,428 - -------------------------------------------------------------------------------- 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* |__| - -------------------------------------------------------------------------------- 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 4.7% - -------------------------------------------------------------------------------- 12 TYPE OF REPORTING PERSON* IN ================================================================================ *SEE INSTRUCTION BEFORE FILLING OUT! CUSIP NO. 33761Q102 13G Page 5 of 14 Pages ================================================================================ 1 NAMES OF REPORTING PERSONS: Robert E. Paden I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) - -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_| (b) |X| - -------------------------------------------------------------------------------- 3 SEC USE ONLY - -------------------------------------------------------------------------------- 4 CITIZENSHIP OR PLACE OF ORGANIZATION United States of America - -------------------------------------------------------------------------------- NUMBER OF SHARES 5 SOLE VOTING POWER 69,858 --------------------------------------------------------------- BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 0 --------------------------------------------------------------- EACH REPORTING 7 SOLE DISPOSITIVE POWER 69,827 --------------------------------------------------------------- PERSON 8 SHARED DISPOSITIVE POWER 0 WITH - -------------------------------------------------------------------------------- 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 69,858 - -------------------------------------------------------------------------------- 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* |__| - -------------------------------------------------------------------------------- 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 2.9% - -------------------------------------------------------------------------------- 12 TYPE OF REPORTING PERSON* IN ================================================================================ *SEE INSTRUCTION BEFORE FILLING OUT! CUSIP NO. 33761Q102 13G Page 6 of 14 Pages ================================================================================ 1 NAMES OF REPORTING PERSONS: Fred T. Blair I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) - -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_| (b) |X| - -------------------------------------------------------------------------------- 3 SEC USE ONLY - -------------------------------------------------------------------------------- 4 CITIZENSHIP OR PLACE OF ORGANIZATION United States of America - -------------------------------------------------------------------------------- NUMBER OF SHARES 5 SOLE VOTING POWER 8,816 ---------------------------------------------------------------- BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 30,496 ---------------------------------------------------------------- EACH REPORTING 7 SOLE DISPOSITIVE POWER 8,801 ---------------------------------------------------------------- PERSON 8 SHARED DISPOSITIVE POWER 30,496 WITH - -------------------------------------------------------------------------------- 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 39,312 - -------------------------------------------------------------------------------- 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* |__| - -------------------------------------------------------------------------------- 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 1.6% - -------------------------------------------------------------------------------- 12 TYPE OF REPORTING PERSON* IN ================================================================================ *SEE INSTRUCTION BEFORE FILLING OUT! CUSIP NO. 33761Q102 13G Page 7 of 14 Pages ================================================================================ 1 NAMES OF REPORTING PERSONS: Malcolm E. Lewis I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) - -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_| (b) |X| - -------------------------------------------------------------------------------- 3 SEC USE ONLY - -------------------------------------------------------------------------------- 4 CITIZENSHIP OR PLACE OF ORGANIZATION United States of America - -------------------------------------------------------------------------------- NUMBER OF SHARES 5 SOLE VOTING POWER 44,882 ----------------------------------------------------------------- BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 42,000 ----------------------------------------------------------------- EACH REPORTING 7 SOLE DISPOSITIVE POWER 44,791 ----------------------------------------------------------------- PERSON 8 SHARED DISPOSITIVE POWER 42,000 WITH - -------------------------------------------------------------------------------- 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 86,882 - -------------------------------------------------------------------------------- 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* |__| - -------------------------------------------------------------------------------- 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 3.6% - -------------------------------------------------------------------------------- 12 TYPE OF REPORTING PERSON* IN - -------------------------------------------------------------------------------- *SEE INSTRUCTION BEFORE FILLING OUT! CUSIP NO. 33761Q102 13G Page 8 of 14 Pages ================================================================================ 1 NAMES OF REPORTING PERSONS: G. Larry Russell I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) - -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_| (b) |X| - -------------------------------------------------------------------------------- 3 SEC USE ONLY - -------------------------------------------------------------------------------- 4 CITIZENSHIP OR PLACE OF ORGANIZATION United States of America - -------------------------------------------------------------------------------- NUMBER OF SHARES 5 SOLE VOTING POWER 50,318 ----------------------------------------------------------------- BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 4,040 ----------------------------------------------------------------- EACH REPORTING 7 SOLE DISPOSITIVE POWER 50,287 ----------------------------------------------------------------- PERSON 8 SHARED DISPOSITIVE POWER 4,040 WITH - -------------------------------------------------------------------------------- 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 54,358 - -------------------------------------------------------------------------------- 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* |__| - -------------------------------------------------------------------------------- 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 2.2% - -------------------------------------------------------------------------------- 12 TYPE OF REPORTING PERSON* IN ================================================================================ *SEE INSTRUCTION BEFORE FILLING OUT! CUSIP NO. 33761Q102 13G Page 9 of 14 Pages ================================================================================ 1 NAMES OF REPORTING PERSONS: James E. Mulkin I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) - -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_| (b) |X| - -------------------------------------------------------------------------------- 3 SEC USE ONLY - -------------------------------------------------------------------------------- 4 CITIZENSHIP OR PLACE OF ORGANIZATION United States of America - -------------------------------------------------------------------------------- NUMBER OF SHARES 5 SOLE VOTING POWER 66,994 ---------------------------------------------------------------- BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 10,287 ---------------------------------------------------------------- EACH REPORTING 7 SOLE DISPOSITIVE POWER 66,963 ---------------------------------------------------------------- PERSON 8 SHARED DISPOSITIVE POWER 10,287 WITH - -------------------------------------------------------------------------------- 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 77,281 - -------------------------------------------------------------------------------- 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* |__| - -------------------------------------------------------------------------------- 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 3.2% - -------------------------------------------------------------------------------- 12 TYPE OF REPORTING PERSON* IN ================================================================================ *SEE INSTRUCTION BEFORE FILLING OUT! CUSIP NO. 33761Q102 13G Page 10 of 14 Pages ================================================================================ 1 NAMES OF REPORTING PERSONS: E. H. Moore, Jr. I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) - -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_| (b) |X| - -------------------------------------------------------------------------------- 3 SEC USE ONLY - -------------------------------------------------------------------------------- 4 CITIZENSHIP OR PLACE OF ORGANIZATION United States of America - -------------------------------------------------------------------------------- NUMBER OF SHARES 5 SOLE VOTING POWER 77,636 ---------------------------------------------------------------- BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 4,000 ---------------------------------------------------------------- EACH REPORTING 7 SOLE DISPOSITIVE POWER 77,605 ---------------------------------------------------------------- PERSON 8 SHARED DISPOSITIVE POWER 4,000 WITH - -------------------------------------------------------------------------------- 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 81,636 - -------------------------------------------------------------------------------- 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* |__| - -------------------------------------------------------------------------------- 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 3.3% - -------------------------------------------------------------------------------- 12 TYPE OF REPORTING PERSON* IN ================================================================================ *SEE INSTRUCTION BEFORE FILLING OUT! CUSIP NO. 33761Q102 13G Page 11 of 14 Pages ================================================================================ 1 NAMES OF REPORTING PERSONS: James B. Koikos I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY) - -------------------------------------------------------------------------------- 2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) |_| (b) |X| - -------------------------------------------------------------------------------- 3 SEC USE ONLY - -------------------------------------------------------------------------------- 4 CITIZENSHIP OR PLACE OF ORGANIZATION United States of America - -------------------------------------------------------------------------------- NUMBER OF SHARES 5 SOLE VOTING POWER 31,660 ---------------------------------------------------------------- BENEFICIALLY OWNED BY 6 SHARED VOTING POWER 12,000 ---------------------------------------------------------------- EACH REPORTING 7 SOLE DISPOSITIVE POWER 31,629 ---------------------------------------------------------------- PERSON 8 SHARED DISPOSITIVE POWER 12,000 WITH - -------------------------------------------------------------------------------- 9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON 43,660 - -------------------------------------------------------------------------------- 10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES* |__| - -------------------------------------------------------------------------------- 11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 1.8% - -------------------------------------------------------------------------------- 12 TYPE OF REPORTING PERSON* IN ================================================================================ *SEE INSTRUCTION BEFORE FILLING OUT! Page 12 of 14 Pages ITEM 1(a) NAME OF ISSUER: FirstFed Bancorp, Inc. ITEM 1(b) ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICER: 1630 Fourth Avenue, North Bessemer, Alabama 35020-5711 ITEM 2(a) NAME OF PERSON(S) FILING: First Federal Savings Bank Employee Stock Ownership Plan Trust ("ESOP") and the following individuals who serve as the ESOP Committee under the ESOP: B. K. Goodwin, III, A. W. Kuhn, Robert E. Paden, Fred T. Blair, Malcolm E. Lewis, G. Larry Russell, James E. Mulkin, E. H. Moore, Jr., and James B. Koikos. ITEM 2(b) ADDRESS OF PRINCIPAL BUSINESS OFFICE: Same as Item 1(b). ITEM 2(c) CITIZENSHIP: See Row 4 of the second part of the cover page provided for each reporting person. ITEM 2(d) TITLE OF CLASS OF SECURITIES: Common Stock, par value $.01 per share. ITEM 2(e) CUSIP NUMBER: See the upper left corner of the second part of the cover page provided for each reporting person. ITEM 3 IF THIS STATEMENT IS FILED PURSUANT TO RULE 13d-1(b), OR 13d-2(b) OR (c), CHECK WHETHER THE PERSON FILING IS A: (f) |X| An employee benefit plan or endowment fund in accordance with Rule 13d-1(b)(1)(ii)(F); If this statement is filed pursuant to Rule 13d-1(c), check this box. |X| Items (a), (b), (c), (d), (e), (g), (h), (i), and (j) are not applicable. This Schedule 13G is being filed on behalf of the ESOP identified in Item 2(a), filing under the Item 3(f) classification, and by each member of the ESOP committee, filing pursuant to Rule 13d-1(c) and applicable SEC no-action letters. ITEM 4. OWNERSHIP. (a) Amount Beneficially Owned: See Row 9 of the second part of the cover page provided for each reporting person. Page 13 of 14 Pages (b) Percent of Class: See Row 11 of the second part of the cover page provided for each reporting person. (c) See Rows 5, 6, 7, and 8 of the second part of the cover page provided for each reporting person. ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS. If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following: |_| ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON. First Federal Savings Bank, in its capacity as the ESOP Committee, has the power to determine whether dividends on allocated shares that are paid to the ESOP trust are distributed to participants or are used to repay the ESOP loan. ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY. Not applicable. ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP. Not applicable. ITEM 9 NOTICE OF DISSOLUTION OF GROUP. Not Applicable. ITEM 10 CERTIFICATION. By signing below, each signatory in the capacity of an ESOP trustee certifies that, to the best of his knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect. By signing below, each signatory in his individual capacity certifies that, to the best of his knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect. Page 14 of 14 Pages SIGNATURE: After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. FIRST FEDERAL SAVINGS BANK EMPLOYEE STOCK OWNERSHIP PLAN TRUST /s/ B. K. Goodwin, III February 3, 1999 - ---------------------------------------------- -------------------------- B. K. Goodwin, III, as ESOP Committee Member Date /s/ A. W. Kuhn February 3, 1999 - ---------------------------------------------- -------------------------- A. W. Kuhn, as ESOP Committee Member Date /s/ Robert E. Paden February 3, 1999 - ---------------------------------------------- -------------------------- Robert E. Paden, as ESOP Committee Member Date /s/ Fred T. Blair February 3, 1999 - ---------------------------------------------- -------------------------- Fred T. Blair, as ESOP Committee Member Date /s/ Malcolm E. Lewis February 3, 1999 - ---------------------------------------------- -------------------------- Malcolm E. Lewis, as ESOP Committee Member Date /s/ G. Larry Russell February 3, 1999 - ---------------------------------------------- -------------------------- G. Larry Russell, as ESOP Committee Member Date /s/ James E. Mulkin February 3, 1999 - ---------------------------------------------- -------------------------- James E. Mulkin, as ESOP Committee Member Date /s/ E. H. Moore, Jr. February 3, 1999 - ---------------------------------------------- -------------------------- E. H. Moore, Jr., as ESOP Committee Member Date /s/ James B. Koikos February 3, 1999 - ---------------------------------------------- -------------------------- James B. Koikos, as ESOP Committee Member Date -----END PRIVACY-ENHANCED MESSAGE-----