**Exhibit
      99.1**
















UNITED
      STATES OF AMERICA


Before
      the


OFFICE
      OF
      THRIFT SUPERVISION




)In
                the Matter of
            ))
            Order
                No. NE 07-**PEOPLES
                FEDERAL SAVINGS**
            )**AND
                LOAN ASSOCIATION,**
            )
            Date:
                February 8, 2007Sidney,
                Ohio (OTS No. 03917)
            ))


**ORDER
        TO CEASE AND DESIST**
 WHEREAS, **PEOPLES
        FEDERAL SAVINGS AND LOAN ASSOCIATION** ,
        Sidney,
        Ohio (the “Savings Association”, OTS No. 03917) has executed a Stipulation and
        Consent to Issuance of an Order to Cease and Desist (“Stipulation”); and
 WHEREAS,
        the Savings Association, **** by
        its
        execution of the Stipulation, has consented and agreed to the issuance of
        this
        Order to Cease and Desist (“Order”) pursuant to 12 U.S.C.
§ 1818(b); 1  and
 WHEREAS,
        the Director of the Office of Thrift Supervision (“OTS”) has delegated to the
        Regional Directors of the OTS the authority to issue consent orders on behalf
        of
        the OTS pursuant to provisions of Section 8 of Federal Deposit Insurance
        Act, 12
        U.S.C. § 1818.
 NOW,
        THEREFORE, IT IS ORDERED THAT:
 1.  Compliance
        With Laws and Regulations .
 The
        Savings Association and its directors, officers, employees, and agents shall
        cease and desist from any action (alone or with another or others) for or
        toward
        causing, bringing about, participating in, counseling or the aiding and abetting
        of any violation of:
 The
        Currency and Foreign Transactions Reporting Act, as amended by the USA Patriot
        Act and other laws (the “Bank Secrecy Act” or “BSA”), 31 U.S.C. §§ 5311 *et
        seq* .,
        and
        the regulations issued thereunder by the U. S. Department of the Treasury,
        31
        C.F.R. §§ 103.11 *et
        seq* .,
        and
        the related BSA regulations issued by the OTS, 12 C.F.R. § 563.177 (collectively
        with the aforementioned laws and regulations, the “BSA Laws and Regulations”),
        including but not limited to:
 ·  12
        C.F.R.
§ 563.177 (anti-money laundering program requires an effective “independent
        testing” component); and
 ·  12
        C.F.R.
§ 563.180(d) and 31 C.F.R. § 103.18 (Suspicious Activity Reports).
  ______________________________
 1 All
        references to the United States Code (“U.S.C.”) are as amended, unless otherwise
        indicated.
  
  2.
              Adoption
                  and Implementation of Corrective Plan
                  Required.
 (a)  By
        no
        later than sixty (60) days of the Effective Date of this Order, the Savings
        Association shall adopt (by official action of its Board of Directors) and
        commence implementation of an appropriate written corrective action plan
        (“Corrective Plan”) reasonably designed to correct BSA-related deficiencies
        reported in the OTS Report of Examination for the examination started on
        September 25, 2006. Among other things, the Corrective Plan shall provide
        for:
 (i)  Implementation
        of enhanced customer due diligence procedures for all “higher-risk” customers;
        such enhanced procedures shall be employed prior to account opening for new
        accounts of “higher-risk” customers;
 (ii)  Additional
        employee training that shall be designed - (A) to facilitate employee
        identification of possible “structured transactions” and other suspicious
        transactions, and (b) to promote timely and accurate preparation and filing
        of
        Suspicious Activity Reports in accordance with 12 C.F.R. § 563.180(d) and 31
        C.F.R. § 103.18; and
 (iii)  Effective independent testing for compliance by properly qualified and trained
        persons; and
 (iv)  Timely
        implementation of all other corrective actions in response to BSA-related
        comments set out in the above-identified OTS Report of
        Examination.
 (b)  On
        no
        less than a monthly basis, the Savings Association’s Board (or an appropriate
        Board committee) shall monitor the Savings Association’s implementation of the
        Corrective Plan. In connection with such monitoring the Board (or committee)
        shall receive reports from appropriate Savings Association personnel and,
        if
        applicable, outside consultants. The monitoring by the Board (or committee)
        shall be duly reflected in the official minutes thereof.
 (c)  Starting
        no later than March 31, 2007 (or such later date as the OTS may permit in
        writing) and on a bi-monthly basis thereafter (until otherwise notified in
        writing by the OTS), the Savings Association’s Board (or an appropriate Board
        Committee) shall submit written status updates to the OTS relative to the
        Savings Association’s actions in response to the requirements of the preceding
        subparagraph.
 (d)  The
        Savings Association (including its Board, management, and employees) shall
        be
        responsive to OTS comments provided to the Savings Association relative to
        the
        contents and implementation of the Corrective Plan required by this
        Order.
 (e)  The
        Savings Association’s Board also shall monitor and update the BSA Compliance
        Program on an ongoing basis as necessary to adjust to: (i) changes in the
        Savings Association’s
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            Order - PEOPLES FEDERAL S&LA - Page 2
  operations
        that may impact on its compliance with the BSA and regulations thereunder
        and
        (ii) changes to the BSA Laws and Regulations (as well as related forms).
 3.  Definitions.
 All
        technical words or terms used in this Order for which meanings are not specified
        or otherwise provided by the provisions of this Order shall, insofar as
        applicable, have meanings as defined in Chapter V of Title 12 of the Code
        of Federal Regulations, the Home Owners’ Loan Act (“HOLA”), the Federal Deposit
        Insurance Act (“FDIA”), OTS Memoranda or other published OTS guidance. Any such
        technical words or terms used in this Order and undefined in said Code of
        Federal Regulations, the HOLA, the FDIA, or OTS Memoranda/guidance shall
        have
        meanings that are in accordance with the best custom and usage in the savings
        and loan industry.
 4.  Successor
        Statutes, Regulations, Guidance, Amendments.
 Reference
        in this Order to provisions of statutes, regulations, OTS Memoranda, and
        other
        published regulatory guidance shall be deemed to include references to all
        amendments to such provisions as have been made as of the Effective Date
        and
        references to successor provisions as they become applicable.
 5.  No
        Violations Authorized; OTS Not Restricted.
 Nothing
        in this Order or the Stipulation shall be construed as: (a) allowing the
        Savings Association to violate any law, rule, regulation, or policy statement
        to
        which it is subject, or (b) restricting or estopping the OTS from taking
        any action(s) that it believes are appropriate in fulfilling the
        responsibilities placed upon it by law including, without limitation, any
        type
        of supervisory, enforcement or other action that OTS determines to be
        appropriate, arising out of matters described in the most recent Report of
        Examination, or based on other matters.
 6.  Time
        Limits; Effect of Headings; Separability Clause; Stipulation
        Incorporated.
 (a)  Time
        limitations for compliance with the terms of this Order run from the Effective
        Date, unless otherwise noted.
 (b)  The
        section and paragraph headings herein are for convenience only and shall
        not
        affect the construction hereof.
 (c)  In
        case
        any provision in this Order is ruled to be invalid, illegal or unenforceable
        by
        the decision of any court of competent jurisdiction, the validity, legality
        and
        enforceability of the
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            Order - PEOPLES FEDERAL S&LA - Page 3
  remaining
        provisions hereof shall not in any way be affected or impaired thereby, unless
        the Regional Director in his/her sole discretion determines
        otherwise.
 (d)  The
        Stipulation is made a part hereof and is incorporated herein by this reference.
 7.  Effective
        Date; Duration.
 This
        Order is and shall become effective on the date it is issued, *i.e.* ,
        the
        Effective Date as shown on the first page hereof. This Order (including the
        related Stipulation) shall remain in effect until terminated, modified or
        suspended, in writing by the OTS, acting through its Director, Regional Director
        or other authorized representative.
  OFFICE
                  OF THRIFT SUPERVISIONBy:
              /s/Robert C. AlbaneseRobert
                  C. AlbaneseRegional
                  Director, Northeast Region
 
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