1298716--3/26/2007--OCEAN_SHORE_HOLDING

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Rising interest rates may reduce our profits and asset values. Our increased emphasis on commercial lending may expose us to increased lending risks. A downturn in the local economy or a decline in real estate values could reduce our profits. Strong competition within our market area could reduce our profits and slow growth. We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations. OC Financial MHC s majority control of our common stock enables it to exercise voting control over most matters put to a vote of stockholders and will prevent stockholders from forcing a sale or a second-step conversion transaction you may like. The Office of Thrift Supervision policy on remutualization transactions could prohibit acquisition of Ocean Shore Holding, which may adversely affect our stock price. Our contribution to Ocean City Home Charitable Foundation may not be fully tax deductible.

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1298716--3/26/2007--OCEAN_SHORE_HOLDING_CO