1298716--3/30/2006--OCEAN_SHORE_HOLDING

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Rising interest rates may hurt our profits. 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 hurt our profits. Strong competition within our market area could hurt our profits and slow growth. We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations. We expect that our return on equity initially will decline as a result of our recently completed public offering. OC Financial MHC s majority control of our common stock will enable 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. Possible nondeductibility of the contribution to Ocean City Home Charitable Foundation.

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1298716--3/30/2006--OCEAN_SHORE_HOLDING_CO