1
                                                Filed Pursuant to Rule 424(b)(3)
                                                              File No. 333-65836




                      Columbia Financial of Kentucky, Inc.
                  2497 Dixie Highway o Ft. Mitchell, Ky. 41017






                                              October 1, 2001


Dear Shareholder:

         On or about September 28, 2001, you were sent a Notice of Special
Meeting of Shareholders, a joint prospectus/proxy statement and a proxy card for
a special meeting of shareholders of Columbia Financial of Kentucky, Inc., to be
held on October 31, 2001. The joint prospectus/proxy statement indicated that it
was accompanied by Columbia Financial's Annual Report on Form 10-K for the year
ended September 30, 2000, and Columbia Financial's Quarterly Report on Form 10-Q
for the quarter ended June 30, 2001. The reports on Form 10-K and Form 10-Q were
inadvertently omitted from the mailing.

         Enclosed is a copy of each of those reports. We are sorry for any
confusion or inconvenience!

                                              Sincerely,



                                              Robert V. Lynch
                                              President