September 10, 2001                               Advance Financial Bancorp
                                                 Stephen M. Gagliardi
                                                 (304) 737-3531


IMMEDIATE RELEASE
-----------------


                 ADVANCE FINANCIAL BANCORP COMPLETES ACQUISITION
                     OF OHIO STATE FINANCIAL SERVICES, INC.


         September 10, 2001:  Advance Financial Bancorp (NASDAQ Small Cap market
--  "AFBC"),  Wellsburg,  West  Virginia  announced  that it has  completed  its
acquisition  of  Ohio  State  Financial  Services,  Inc.  ("OTC  BB --  "OSFS"),
Bridgeport,  Ohio. Advance Financial Bancorp ("Advance  Financial") is a unitary
thrift holding company that owns all of the stock of Advance  Financial  Savings
Bank, and Ohio State  Financial  Services,  Inc.  ("OSFS") was a holding company
that  owned all of the stock of  Bridgeport  Savings  and Loan  Association.  As
previously  announced,  Advance Financial and OSFS entered into an Agreement and
Plan of Merger on April 18, 2001.  Pursuant to the Agreement,  each  outstanding
share of OSFS common stock owned by  stockholders  will receive  $16.00 in cash.
Pursuant  to the  Agreement,  OSFS  will  no  longer  be in  existence,  and its
subsidiary,  Bridgeport  Savings and Loan  Association  has been merged with and
into Advance Financial Savings.

         As a result of the  merger,  Advance  Financial  will have  assets  and
stockholders'   equity  of  approximately  $193.5  million  and  $16.6  million,
respectively.  Advance  Financial Savings Bank now operates from its main office
in Wellsburg,  West Virginia and four full-service branch offices in Follansbee,
West Virginia and Wintersville, Bridgeport and Shadyside, Ohio.

         Stephen M. Gagliardi,  President and Chief Executive officer of Advance
Financial,  stated,  "The acquisition of OSFS is a positive  addition to Advance
Financial.   Merging  Bridgeport  Savings  and  Loan  Association  into  Advance
Financial Savings will permit us to offer our full line of financial services to
Bridgeport  Savings  and  Loan  Association  customers  and  the  residents  and
businesses in their  communities.  We believe that the  acquisition of OSFS will
enhance the value of Advance  Financial and will be accretive to earnings within
its first year of operation."