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| | Welcome to Cheviot Savings Bank |
 | | Cheviot, Ohio — Cheviot Financial Corp (Nasdaq: “CHEV”), parent company of Cheviot Savings Bank, Cheviot, Ohio, reported a net loss for the three months ended March 31, 2004 of $692,000, or $.07 per share, compared to net earnings of $394,000 recorded for the three month period ended March 31, 2003. |
 | | Cheviot Financial issued a total of 9,918,751 common shares, approximately 44% of which were sold to depositors and members of the general public, culminating in net proceeds from the offering of approximately $42.1 million. |
 | | Cheviot Savings Bank was established in 1911 and currently has four full service offices in Hamilton County, Ohio, and one loan production office in Mason, Ohio. |
| www.cheviotsavings.com /html/news.asp?i=11 (441 words) |
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