Document:

Exhibit 4(b)

                            ARTICLES OF INCORPORATION
                                       OF
                          WINTON FINANCIAL CORPORATION

                  The undersigned, desiring to form a corporation for profit
under Chapter 1701 of the Ohio Revised Code, does hereby certify:

                  FIRST:   The name of the corporation shall be Winton Financial
Corporation.

                  SECOND:  The place in Ohio where the principal office of the
corporation is to be located is the City of Cincinnati, County of Hamilton.

                  THIRD:   The purpose for which the corporation is formed is to
engage in any lawful act or activity for which corporations may be formed under
Section 1701.01 to 1701.98, inclusive, of the Ohio Revised Code.

                  FOURTH:  The authorized number of shares of the corporation
shall be 750, all of which shall be common shares, each without par value.

                  FIFTH: The directors of the corporation shall have the power
to cause the corporation from time to time and at any time to purchase, hold,
sell, transfer or otherwise deal with (A) shares of any class or series issued
by it, (B) any security or other obligation of the corporation which may confer
upon the holder thereof the right to convert the same into shares of any class
or series authorized by the articles of the corporation and (C) any security or
other obligation which may confer upon the holder thereof the right to purchase
shares of any class or series authorized by the articles of the corporation. The
corporation shall have the right to repurchase, if and when any shareholder
desires to sell, or on the happening of any event is required to sell, shares of
any class or series issued by the corporation. The authority granted in this
Article Fifth of these articles shall not limit the plenary authority of the
directors to purchase, hold, sell, transfer or otherwise deal with shares of any
class or series, securities, or other obligations issued by the corporation or
authorized by its articles.

                  SIXTH: Notwithstanding any provision of the Ohio Revised Code
requiring for any purpose the vote, consent, waiver or release of the holders of
shares of the corporation entitling them to exercise any proportion of the
voting power of the corporation or of any class or classes thereof, such action,
unless expressly otherwise provided by statute, may be taken by the vote,
consent, waiver or release of the holders of shares entitling them to exercise
not less than a majority of the voting power of the corporation or of such class
or classes; provided, however, that if the Board of Directors shall recommend
against the approval of any of the following matters, the affirmative vote of
the holders of shares entitling them to exercise not less than seventy-five
percent (75%) of the voting power of any class or classes of shares of the
corporation which entitle the holders thereof to vote in the respect of any such
matter as a class, shall be required to adopt:

                  (A)      A proposed amendment to the Articles of Incorporation
                           of the corporation;

                  (B)      Proposed new Regulations or an amendment of the
                           Regulations of the corporation;

                  (C)      A proposal to change the number of directors by
                           action of the shareholders;

                  (D)      An agreement of merger or consolidation providing for
                           the proposed merger or consolidation of the
                           corporation with or into one or more other
                           corporations;

                  (E)      A proposed combination or majority share acquisition
                           involving the issuance of shares of the corporation
                           and requiring shareholder approval;

                  (F)      A proposal to sell, exchange, transfer or otherwise
                           dispose of all, or substantially all, the assets,
                           with or without the goodwill, of the corporation; or

<PAGE>

                  (G)      A proposed dissolution of the corporation.

                  SEVENTH: The directors of the corporation may adopt an
amendment to the articles in respect of any unissued or treasury shares of any
class and thereby fix or change: the division of such shares into series and the
designation and authorized number of shares of each series; the dividend rate;
the dates of payment of dividends and the dates from which they are cumulative;
liquidation price; redemption rights and price; sinking fund requirements;
conversion rights; and restrictions on the issuance of shares of any class or
series.

                  EIGHTH: No shareholder of the corporation shall have, as a
matter of right, the pre-emptive right to purchase or subscribe for shares of
any class, now or hereafter authorized, or to purchase or subscribe for
securities or other obligations convertible into or exchangeable for such shares
or which by warrants or otherwise entitle the holders thereof to subscribe for
or purchase any such share.

                  NINTH: (A) In addition to any affirmative vote required by any
provision of the Ohio Revised Code or by any other provision of these Articles,
the affirmative vote or consent of the holders of the greater of (1) four-fifths
(4/5) of the outstanding common shares of the corporation entitled to vote
thereon or (2) that fraction of such outstanding common shares having as the
numerator a number equal to the sum of (i) the number of outstanding common
shares Beneficially Owned (hereinafter defined) by the Controlling Person
(hereinafter defined), plus (ii) two-thirds (2/3) of the remaining number of
outstanding common shares, and as the denominator a number equal to the total
number of outstanding common shares entitled to vote, shall be required for the
adoption or authorization of a Business Combination (hereinafter defined),
unless:

                  (I) The Business Combination will result in an involuntary
                  sale, redemption, cancellation or other termination of
                  ownership of all common shares of the corporation owned by
                  shareholders who do not vote in favor of, or consent in
                  writing to, the Business Combination and the cash or fair
                  value of other readily marketable consideration to be received
                  by such shareholders for such shares shall at least be equal
                  to the Minimum Price Per Share (hereinafter defined); and (II)
                  A proxy statement responsive to the requirements of the
                  Securities Exchange Act of 1934, as amended, shall be mailed
                  to the shareholders of the corporation for the purpose of
                  soliciting shareholder approval for the proposed Business
                  Combination.

                         (B) For purposes of this Article  Ninth,  the following
                  definitions shall apply:

                                    (1) "Affiliate" shall mean a Person that
                  directly or indirectly through one or more intermediaries,
                  controls, or is controlled by, or is under common control
                  with, another Person.

                                    (2) "Associate" shall mean (i) any
                  corporation or organization of which a Person is an officer or
                  partner or is, directly or indirectly, the Beneficial Owner of
                  ten percent (10%) or more of any class of equity securities,
                  (ii) any trust or other estate in which a Person has a ten
                  percent (10%) or greater individual interest of any nature or
                  as to which a Person serves as trustee or in a similar
                  fiduciary capacity, (iii) any spouse of a Person, and (iv) any
                  relative of a Person, any relative of a spouse of a Person,
                  who has the same residence as such Person or spouse.

                                    (3) "Beneficial Owner" shall include,
                  without limitation, (i) all shares directly or indirectly
                  owned by a Person, by an Affiliate of such Person or by an
                  Associate of such Person, Affiliate or Associate has the right
                  to acquire through the exercise of any option, warrant or
                  right (whether or not currently exercisable), through the
                  conversion of a security, pursuant to the power to revoke a
                  trust, discretionary account or similar arrangement, and (iii)
                  all shares as to which such Person, Affiliate or Associate
                  directly or indirectly through any contract, arrangement,
                  understanding, relationship or otherwise (including without
                  limitation any written or unwritten agreement to act in
                  concert) has or shares voting power (which includes the power
                  to vote or to direct the voting of such shares) or investment
                  power (which includes the power to dispose or to direct the
                  disposition of such shares) or both.

                                       2
<PAGE>

                                    (4) "Business Combination" shall mean (i)
                  any merger or consolidation of the corporation with or into a
                  Controlling Person or an Affiliate of a Controlling Person or
                  an Associate of such Controlling Person or Affiliate, (ii) any
                  sale, lease, exchange, transfer or other disposition,
                  including without limitation a mortgage or any other security
                  device of all or any substantial part of the assets of the
                  corporation, including without limitation any voting
                  securities of a subsidiary, or of the assets of a subsidiary,
                  to a Controlling Person or Affiliate of a Controlling Person
                  or Associate of such Controlling Person or Affiliate, (iv) any
                  sale, lease, exchange, transfer or other disposition to the
                  corporation or a subsidiary of all or any part of the assets
                  of a Controlling Person or Affiliate of a Controlling Person
                  or Associate of such Controlling Person or Affiliate but not
                  including any disposition of assets which, if included with
                  all other dispositions consummated during the same fiscal year
                  of the corporation by the same controlling Person, Affiliates
                  thereof and Associates of such Controlling Person or
                  Affiliates, would not result in dispositions during such year
                  by all such Persons of assets having an aggregate fair value
                  (determined at the time of disposition of the respective
                  assets) in excess of one percent (1%) of the total
                  consolidated assets of the corporation (as shown on its
                  certified balance sheet as of the end of the fiscal year
                  preceding the proposed disposition); provided, however, that
                  in no event shall any disposition of assets be excepted from
                  shareholder approval by reason of the preceding exclusion if
                  such disposition when included with all other dispositions
                  consummated during the same and immediately preceding four (4)
                  fiscal years for the corporation be the same Controlling
                  Person, Affiliate thereof and Associates of such Controlling
                  Person or Affiliates, would result in disposition by all such
                  Persons of assets having an aggregate fair value (determined
                  at the time of disposition of the respective assets) in excess
                  of two percent (2%) of the total consolidated assets of the
                  corporation (as shown on its certified balance sheet as of the
                  end of the fiscal year preceding the proposed disposition),
                  (v) any reclassification of the common shares of the
                  corporation, consummated within five (5) years after a
                  Controlling Person becomes a Controlling Person, and (vi) any
                  agreement, contract or other arrangement providing for any of
                  the transactions described in the definition of Business
                  Combination.

                                    (5) "Control" shall mean the possession,
                  directly or indirectly, of the power to direct or cause the
                  direction of the management and policies of a Person, whether
                  through the ownership of voting securities, by contract or
                  otherwise.

                                    (6) "Controlling Person" shall mean any
                  Person who Beneficially Owns shares of the corporation
                  entitling that Person to exercise twenty percent (20%) or more
                  of the voting power of the corporation entitled to vote in the
                  election of directors.

                                    (7) "Minimum Price Per Share" shall mean the
                  sum of (i) the higher of (I) the highest gross per share price
                  paid or agreed to be paid to acquire any common shares of the
                  corporation Beneficially Owned by a Controlling Person,
                  provided such payment or agreement to make payment was made
                  within five (5) years immediately prior to the record date set
                  to determine the shareholders entitled to vote or consent to
                  the Business Combination in question, or (II) the highest per
                  share closing public market price for such common shares
                  during such five (5) year period, plus (ii) the aggregate
                  amount, if any, by which five percent (5%) for each year,
                  beginning on the date on which such Controlling Person became
                  a Controlling Person, of such higher per share price exceeds
                  the aggregate amount of all common shares dividends per share
                  paid in cash since the date on which such Person became a
                  Controlling Person. The calculation of the Minimum Price Per
                  Share shall require appropriate adjustments for capital
                  changes, including without limitation stock splits, stock
                  dividends and reverse stock splits.

                                    (8) "Person" shall mean an individual, a
                  corporation, a partnership, an association, a joint-stock
                  company, a trust, any unincorporated organization, a
                  government or political subdivision thereof, and any other
                  entity.

                                    (9) "Securities Exchange Act of 1934" shall
                  mean the Securities Exchange Act of 1934, as amended from time
                  to time as well as any successor or replacement statute.

                                       3
<PAGE>
                  TENTH: Until August 11, 1993, no Person (hereinafter defined)
shall directly or indirectly Offer (hereinafter defined) to Acquire (hereinafter
defined) or Acquire the Beneficial Ownership (hereinafter defined) of more than
10% of any class of any equity security of the corporation, provided, however,
that such prohibition shall not apply to the purchase of shares by underwriters
in connection with a public offering. In the event that any shares of the
corporation are Acquired in violation of this Article TENTH, all shares
Beneficially owned by any person in excess of 10% shall not be counted as shares
entitled to vote, and shall not be voted by any Person and shall not be counted
as voting shares in connection with any matter submitted to the stockholders for
a vote. For purposes of this Article TENTH, the following terms shall have the
meaning set forth below:

                  (1)      "Person" includes an individual, a group acting in
                           concert, a corporation, a partnership, an
                           association, a joint stock company, a trust, an
                           unincorporated organization or similar company, a
                           syndicate or any other group formed for the purpose
                           of acquiring or disposing of the equity securities of
                           the corporation, but does not include The Winton
                           Savings and Loan Co. Employee Stock Ownership Plan or
                           its successor.

                  (2)      "Offer" includes every offer to buy or otherwise
                           acquire, solicitations of an offer to sell, tender
                           offer for, or request or invitation for tenders of, a
                           security or interest in a security for value.

                  (3)      "Acquire" includes every type of acquisition, whether
                           effected by purchase, exchange, operation of law or
                           otherwise.

                  (4)      "Acting in concert" means (a) knowing participation
                           in a joint activity or conscious parallel action
                           towards a common goal, whether or not pursuant to an
                           express agreement, or (b) a combination or pooling of
                           voting or other interests in the securities of an
                           issuer for a common purpose pursuant to any contract,
                           understanding, relationship, agreement or other
                           arrangement, whether written or otherwise.

                  (5)      "Beneficial Ownership" shall include, without
                           limitation, (a) all shares directly or indirectly
                           owned by a Person, by an Affiliate (hereinafter
                           defined) of such Person or by an Associate of such
                           Person or such Affiliate, (b) all shares which such
                           Person, Affiliate or Associate has the right to
                           acquire through the exercise of any option, warrant
                           or right (whether or not currently exercisable),
                           through the conversion of a security, pursuant to the
                           power to revoke a trust, discretionary account or
                           similar arrangement, or pursuant to the automatic
                           termination of a trust, discretionary account or
                           similar arrangement, and (c) all shares as to which
                           such Person, Affiliate or Associate directly or
                           indirectly through any contract, arrangement,
                           understanding, relationship or otherwise (including,
                           without limitation, any written or unwritten
                           agreement to act in concert) has or shares voting
                           power (which includes the power to vote or to direct
                           the voting of such shares) or investment power (which
                           includes the power to dispose or to direct the
                           deposition of such shares) or both.

                  (6)      "Affiliate" shall mean a Person that directly or
                           indirectly, through one or more intermediaries,
                           controls or is controlled by, or is under common
                           control with, another Person.

                  IN WITNESS WHEREOF, I have hereunto signed my name this 22nd
day of November, 1989.

                                         /s/ Henry L. Schulhoff
                                         ----------------------------------
                                         Henry L. Schulhoff, Incorporator

                                       4
<PAGE>

                            Certificate of Amendment

                                 By Shareholders
                       to the Articles of Incorporation of

                          WINTON FINANCIAL CORPORATION
------------------------------------------------------------------------------
                              (Name of Corporation)

  Robert L. Bollin   ,   who is  [ ]  Chairman of the Board  [X]   President
---------------------      [ ]  Vice President  (Check One)

and    James W. Brigger   , who is [X] Secretary  [ ] Assistant Secretary
    ----------------------      (Check One)

of the above named Ohio corporation for profit with its principal location at
5511 Cheviot Road, Cincinnati, Ohio 45247, Ohio do hereby certify that:
(check the appropriate box and complete the appropriate statements)

[ ]      a meeting of the shareholders was duly called for the purpose of
         adopting this amendment and held on ________, 19___, at which meeting a
         quorum of the shareholders was present in person or by proxy, and by
         the affirmative voice of the holders of shares entitling them to
         exercise ___% of the voting power of the corporation.

[X]      in a writing signed by all of the shareholders who would be entitled to
         notice of a meeting held for the purpose,

the following resolution to amend the articles was adopted:

                  RESOLVED, that Article Fourth of the Articles of Incorporation
                  of Winton Financial Corporation be, and it hereby is, amended
                  to read as follows:

                           FOURTH:  The authorized number of shares of the
                           corporation shall be 5,000,000, all of which shall be
                           common shares, each without par value.

         IN WITNESS WHEREOF, the above named officers, acting for and on the
behalf of the corporation, have hereto subscribed their names this 29th day of
June, 1990.

                                    By: /s/ Robert L. Bollin
                                        ----------------------------------
                                        President

                                    By: /s/ James W. Brigger
                                        ----------------------------------
                                        Secretary

NOTE:    Ohio law does not permit one officer to sign in two capacities.  Two
         separate signatures are required, even if this necessitates the
         election of a second officer before the filing can be made.

<PAGE>

                            Certificate of Amendment

                                 By Shareholders
                       to the Articles of Incorporation of

                          WINTON FINANCIAL CORPORATION
------------------------------------------------------------------------------
                              (Name of Corporation)

  Robert L. Bollin   ,   who is  [ ]  Chairman of the Board   [X]  President
---------------------      [ ]  Vice President  (Check One)

and    James W. Brigger   , who is [X] Secretary  [ ] Assistant Secretary
    ----------------------      (Check One)

of the above named Ohio corporation for profit with its principal location at
5511 Cheviot Road, Cincinnati, Ohio 45247, Ohio do hereby certify that:
(check the appropriate box and complete the appropriate statements)

[X]      a meeting of the shareholders was duly called for the purpose of
         adopting this amendment and held on January 24, 1992, at which meeting
         a quorum of the shareholders was present in person or by proxy, and by
         the affirmative voice of the holders of shares entitling them to
         exercise 67.26 % of the voting power of the corporation.

[ ]      in a writing signed by all of the shareholders who would be entitled
         to notice of a meeting held for the purpose,

the following resolution to amend the articles was adopted:

                  RESOLVED, that Article of Incorporation of Winton Financial
                  Corporation be, and they hereby are, amended by adding the
                  following Article Eleventh:

                           ELEVENTH:  No shareholder of the corporation shall
                           have the right to vote cumulatively in the election
                           of directors.

         IN WITNESS WHEREOF, the above named officers, acting for and on the
behalf of the corporation, have hereto subscribed their names this 29th day of
January, 1992.

                                           By: /s/ Robert L. Bollin
                                               -----------------------------
                                               President

                                           By: /s/ James W. Brigger
                                               -----------------------------
                                               Secretary

NOTE:    Ohio law does not permit one officer to sign in two capacities.  Two
         separate signatures are required, even if this necessitates the
         election of a second officer before the filing can be made.

<PAGE>

                            Certificate of Amendment
               By Shareholders to the Articles of Incorporation of

                          WINTON FINANCIAL CORPORATION
------------------------------------------------------------------------------
                              (Name of Corporation)

         Robert L. Bollin           , who is
------------------------------------

[ ]  Chairman of the Board    [X]  President  [ ]  Vice President  (Check One)

and

         James W. Brigger                   , who is
--------------------------------------------
 [X]   Secretary    [ ]  Assistant Secretary  (Check One)

of the above named Ohio corporation for profit do hereby certify that:
(check the appropriate box and complete the appropriate statements)

[X]      a meeting of the shareholders was duly called for the purpose of
         adopting this amendment and held on January 27, 1995, at which meeting
         a quorum of the shareholders was present in person or by proxy, and by
         the affirmative voice of the holders of shares entitling them to
         exercise 68.5 % of the voting power of the corporation.

[ ]      in a writing signed by all of the shareholders who would be entitled to
         notice of a meeting held for the purpose, the following resolution to
         amend the articles was adopted:

         See Annex A attached hereto and incorporated herein.

         IN WITNESS WHEREOF, the above named officers, acting for and on the
behalf of the corporation, have hereto subscribed their names this 30th day of
January, 1995.

                                           By: /s/ Robert L. Bollin
                                               ------------------------------
                                               President

                                           By: /s/ James W. Brigger
                                               ------------------------------
                                               Secretary

NOTE:    Ohio law does not permit one officer to sign in two capacities.  Two
separate signatures are required, even if this necessitates the election of a
second officer before the filing can be made.

<PAGE>
                                                                        ANNEX A

RESOLVED, THAT ARTICLE NINTH, SECTION (B) (3) OF THE ARTICLES OF INCORPORATION
OF WINTON FINANCIAL CORPORATION, AS AMENDED, SHALL BE AMENDED TO READ AS
FOLLOWS:

         (3) "Beneficial Owner" shall include, without limitation, (i) all
shares directly or indirectly owned by a Person, by an Affiliate of such Person
or by an Associate of such Person or such Affiliate, (ii) all shares which such
Person, Affiliate or Associate has the right to acquire through the exercise of
any option, warrant or right (whether or not currently exercisable), through the
conversion of a security, pursuant to the power to revoke a trust, discretionary
account or similar arrangement, or pursuant to the automatic termination of a
trust, discretionary account or similar arrangement, and (iii) all shares as to
which such Person, Affiliate or Associate directly or indirectly through any
contract, arrangement, understanding, relationship or otherwise (including
without limitation any written or unwritten agreement to act in concert) has or
shares voting power (which includes the power to vote or to direct the voting of
such shares) or investment power (which includes the power to dispose or to
direct the disposition of such shares) or both.

RESOLVED THAT ARTICLE FOURTH OF THE ARTICLES OF INCORPORATION OF WINTON
FINANCIAL CORPORATION, AS AMENDED, SHALL BE AMENDED TO READ AS FOLLOWS:

         FOURTH: The authorized number of shares of the corporation shall be
         7,000,000, 5,000,000 of which shall be common shares, each without par
         value, and 2,000,000 of which shall be preferred shares, each without
         par value.

         The directors of the corporation are authorized to adopt amendments to
         the Articles of Incorporation in respect of any unissued or treasury
         common and preferred shares and thereby to fix or change, to the full
         extent now or hereafter permitted by Ohio law: the division of such
         shares into series and the designation and authorized number of shares
         of each series; the dividend rate; the dates of payment of dividends
         and the dates from which they are cumulative; liquidation price;
         redemption rights and price; sinking fund requirements; conversion
         rights; restrictions on the issuance of shares of any class or series;
         and such other rights, preferences and limitations as shall not be
         inconsistent with this Article Fourth.

         Except as hereinafter provided and as may otherwise be required by the
         laws of the State of Ohio, all voting power of the corporation for all
         purposes is vested exclusively in the holders of the common shares. The
         holders of common shares shall be entitled to one vote for each common
         share held. The holders of the preferred shares shall not be entitled
         to vote at meetings of the shareholders of the corporation or to
         receive notices of such meetings; provided, however, that in the event
         dividends on the preferred shares, if any, shall at any time become in
         arrears, the holders of the preferred shares shall thereupon become
         entitled to one vote for each preferred share held and to notice of all
         meetings of the shareholders. Such voting and notice rights of the
         preferred shareholders shall continue until all dividends in arrears on
         the preferred shares shall have been paid in full, whereupon such
         voting and notice rights of the preferred shareholders shall cease and
         terminate.

                                       1
<PAGE>

                            Certificate of Amendment
               By Shareholders to the Articles of Incorporation of

                          WINTON FINANCIAL CORPORATION
-----------------------------------------------------------------------------
                              (Name of Corporation)

         Robert L. Bollin           , who is
------------------------------------

[ ]  Chairman of the Board   [X]  President  [ ]  Vice President  (Check One)

and

         James W. Brigger                   , who is
--------------------------------------------
[X] Secretary    [ ]  Assistant Secretary  (Check One)

of the above named Ohio corporation for profit do hereby certify that:  (check
the appropriate box and complete the appropriate statements)

[X]      a meeting of the shareholders was duly called for the purpose of
         adopting this amendment and held on January 29, 1999, at which meeting
         a quorum of the shareholders was present in person or by proxy, and by
         the affirmative voice of the holders of shares entitling them to
         exercise 82.6% of the voting power of the corporation.

[ ]      in a writing signed by all of the shareholders who would be entitled to
         notice of a meeting held for the purpose, the following resolution to
         amend the articles was adopted:

         See Exhibit A.

         IN WITNESS WHEREOF, the above named officers, acting for and on the
behalf of the corporation, have hereto subscribed their names this 29th day of
January, 1999.

                                             By: /s/ Robert L. Bollin
                                                 ----------------------------
                                                 President

                                             By: /s/ James W. Brigger
                                                 ----------------------------
                                                 Secretary

NOTE:    Ohio law does not permit one officer to sign in two capacities.  Two
separate signatures are required, even if this necessitates the election of a
second officer before the filing can be made.

<PAGE>

                                    EXHIBIT A

         RESOLVED, that Article Fourth of the Amended Articles of Incorporation
         of Winton Financial Corporation be, and it hereby is, deleted in its
         entirety and replaced with the following new Article Fourth:

                  FOURTH: The authorized number of shares of the corporation
                  shall be twenty million (20,000,000), eighteen million
                  (18,000,000) of which shall be common shares, each without par
                  value, and two million (2,000,000) of which shall be preferred
                  shares, each without par value.

                  The directors of the corporation are authorized to adopt
                  amendments to the Articles of Incorporation in respect of any
                  unissued or treasury common and preferred shares and thereby
                  to fix or change, to the full extent now or hereafter
                  permitted by Ohio law: the division of such shares into series
                  and the designation and authorized number of shares of each
                  series; the dividend rate; the dates of payment of dividends
                  and the dates from which they are cumulative; the liquidation
                  price; the redemption rights and price; the sinking fund
                  requirements; the conversion rights; the restrictions on the
                  issuance of shares of any class or series; and such other
                  rights, preferences and limitations as shall not be
                  inconsistent with this Article Fourth.

         Except as hereinafter provided and as may otherwise be required by the
         laws of the State of Ohio, all voting power of the corporation for all
         purposes is vested exclusively in the holders of the common shares. The
         holders of common shares shall be entitled to one vote for each common
         share held. The holders of the preferred shares shall not be entitled
         to vote at meetings of the shareholders of the corporation or to
         receive notices of such meetings; provided, however, that in the event
         dividends on the preferred shares, if any, shall at any time become in
         arrears, the holders of the preferred shares shall thereupon become
         entitled to one vote for each preferred share held and to notice of all
         meetings of the shareholders. Such voting and notice rights of the
         preferred shareholders shall continue until all dividends in arrears on
         the preferred shares shall have been paid in full, whereupon such
         voting and notice rights of the preferred shareholders shall cease and
         terminate.EXHIBIT 4(c)

                               CODE OF REGULATIONS
                                       OF
                          WINTON FINANCIAL CORPORATION

                                   ARTICLE ONE

                            MEETINGS OF SHAREHOLDERS

         Section 1.01. Annual Meetings. The annual meeting of the shareholders
for the election of directors, for the consideration of reports to be laid
before such meeting and for the transaction of such other business as may
properly come before such meeting, shall be held on the fourth Friday of January
in each year or on such other date as may be fixed from time to time by the
directors.

         Section 1.02. Calling of Meetings. Meetings of the shareholders may be
called only by the chairman of the board, the president, or, in case of the
president's absence, death, or disability, the vice president authorized to
exercise the authority of the president; the secretary; the directors by action
at a meeting, or a majority of the directors acting without a meeting; or the
holders of at least a majority of all shares outstanding and entitled to vote
thereat.

         Section 1.03. Place of Meetings. All meetings of shareholders shall be
held at the principal office of the corporation, unless otherwise provided by
action of the directors. Meetings of shareholders may be held at any place
within or without the State of Ohio.

         Section 1.04. Notice of Meetings. (A) Written notice stating the time,
place and purposes of a meeting of the shareholders shall be given either by
personal delivery or by mail not less than seven nor more than sixty days before
the date of the meeting, (1) to each shareholder of record entitled to notice of
the meeting, (2) by or at the direction of the president or the secretary. If
mailed, such notice shall be addressed to the shareholder at his address as it
appears on the records of the corporation. Notice of adjournment of a meeting
need not be given if the time and place to which it is adjourned are fixed and
announced at such meeting. In the event of a transfer of shares after the record
date for determining the shareholders who are entitled to receive notice of a
meeting of shareholders, it shall not be necessary to give notice to the
transferee. Nothing herein contained shall prevent the setting of a record date
in the manner provided by law, the Articles or the Regulations for the
determination of shareholders who are entitled to receive notice of or to vote
at any meeting of shareholders or for any purpose required or permitted by law.

         (B) Following receipt by the president or the secretary of a request in
writing, specifying the purpose or purposes for which the persons properly
making such request have called a meeting of the shareholders, delivered either
in person or by registered mail to such officer by any persons entitled to call
a meeting of shareholders, such officer shall cause to be given to the
shareholders entitled thereto notice of a meeting to be held on a date not less
than seven nor more than sixty days after the receipt of such request, as such
officer may fix. If such notice is not given within fifteen days after the
receipt of such request by the president or the secretary, then, and only then,
the persons properly calling the meeting may fix the time of meeting and give
notice thereof in accordance with the provisions of the Regulations.

         Section 1.05. Waiver of Notice. Notice of the time, place and purpose
or purposes of any meeting of shareholders may be waived in writing, either
before or after the holding of such meeting, by any shareholders, which writing
shall be filed with or entered upon the records of such meeting. The attendance
of any shareholder, in person or by proxy, at any such meeting without
protesting the lack of proper notice, prior to or at the commencement of the
meeting, shall be deemed to be a waiver by such shareholder of notice of such
meeting.

         Section 1.06. Quorum. At any meeting of shareholders, the holders of a
majority of the voting shares of the corporation then outstanding and entitled
to vote thereat, present in person or by proxy, shall constitute a quorum for
such meeting. The holders of a majority of the voting shares represented at a
meeting, whether or not a quorum is present, or the chairman of the board, the

<PAGE>

president, or the officer of the corporation acting as chairman of the meeting,
may adjourn such meeting from time to time, and if a quorum is present at such
adjourned meeting any business may be transacted as if the meeting had been held
as originally called.

         Section 1.07. Votes Required. At all elections of directors the
candidates receiving the greatest number of votes shall be elected. Any other
matter submitted to the shareholders for their vote shall be decided by the vote
of such proportion of the shares, or of any class of shares, or of each class,
as is required by law, the Articles or the Regulations.

         Section 1.08. Order of Business. The order of business at any meeting
of shareholders shall be determined by the officer of the corporation acting as
chairman of such meeting unless otherwise determined by a vote of the holders of
a majority of the voting shares of the corporation then outstanding, present in
person or by proxy, and entitled to vote at such meeting.

         Section 1.09. Shareholders Entitled to Vote. Each shareholder of record
on the books of the corporation on the record date for determining the
shareholders who are entitled to vote at a meeting of shareholders shall be
entitled at such meeting to one vote for each share of the corporation standing
in his name on the books of the corporation on such record date. The directors
may fix a record date for the determination of the shareholders who are entitled
to receive notice of and to vote at a meeting of shareholders, which record date
shall not be a date earlier than the date on which the record date is fixed and
which record date may be a maximum of sixty days preceding the date of the
meeting of shareholders.

         Section 1.10. Proxies. At meetings of the shareholders any shareholder
of record entitled to vote thereat may be represented and may vote by a proxy or
proxies appointed by an instrument in writing signed by such shareholder, but
such instrument shall be filed with the secretary of the meeting before the
person holding such proxy shall be allowed to vote thereunder. No proxy shall be
valid after the expiration of eleven months after the date of its execution,
unless the shareholder executing it shall have specified therein the length of
time it is to continue in force.

         Section 1.11. Inspectors of Election. In advance of any meeting of
shareholders, the directors may appoint inspectors of election to act at such
meeting or any adjournment thereof; if inspectors are not so appointed, the
officer of the corporation acting as chairman of any such meeting may make such
appointment. In case any person appointed as inspector fails to appear or act,
the vacancy may be filled only by appointment made by the directors in advance
of such meeting or, if not so filled, at the meeting by the officer of the
corporation acting as chairman of such meeting. No other person or persons may
appoint or require the appointment of inspectors of election.

                                   ARTICLE TWO
                                    DIRECTORS

         Section 2.01.  Authority and Qualifications.  Except where the law, the
Articles or the Regulations otherwise provide, all authority of the corporation
shall be vested in and exercised by its directors.  Directors need not be
shareholders of the corporation.

         Section 2.02.  Number of Directors and Term of Office.

         (A) Until changed in accordance with law, the authorized number of
directors shall be seven, divided into two classes, one of which shall have
three directors and the other of which shall have four directors. If the
authorized number of directors is increased or decreased at any time, the
directors may, by a resolution adopted by not less than a majority of the whole
authorized number of directors, determine the number of directors to be added or
subtracted, as the case may be, from any class or classes of directors, and the
effect of such increase or decrease on each class need not be uniform; provided,
however, that the authorized number of directors of any class shall not be fewer
than three or exceed by more than four the number of any other class. The
election of each class of directors shall be a separate election.

         (B) The number of directors may be fixed or changed at a meeting of the
shareholders called for the purpose of electing directors at which a quorum is

                                      -2-
<PAGE>

present, only by the affirmative vote of the holders of not less than a majority
of the voting shares which are represented at the meeting, in person or by
proxy, and entitled to vote on such proposal.

         (C) The directors may fix or change the number of directors and may
fill any director's office that is created by an increase in the number of
directors.

         (D) No reduction in the number of directors shall of itself have the
effect of shortening the term of any incumbent director.

         Section 2.03.  Nomination and Election.

         (A) Any nominee for election as a director of the corporation may be
proposed only by the directors or by any shareholder entitled to vote for the
election of directors. No person, other than a nominee proposed by the
directors, may be nominated for election as a director of the corporation unless
such person shall have been proposed in a written notice, delivered or mailed by
first class United States mail, postage prepaid, to the Secretary of the
corporation at the principal offices of the corporation. In the case of a
nominee proposed for election as a director at an annual meeting of
shareholders, such written notice of a proposed nominee shall be received by the
Secretary of the corporation on or before the later of (i) the February 1st
immediately preceding such annual meeting, or (ii) the sixtieth (60th) day
before the first anniversary of the most recent annual meeting of shareholders
of the corporation held for the election of directors; provided, however, that
if the annual meeting for the election of directors in any year is not held on
or before the thirty-first (31) day next following such anniversary, then the
written notice required by this subparagraph (a) shall be received by the
Secretary within a reasonable time prior to the date of such annual meeting. In
the case of a nominee proposed for election as a director at a special meeting
of shareholders at which directors are to be elected, such written notice of a
proposed nominee shall be received by the Secretary of the corporation no later
than the close of business on the seventh day following the day on which notice
of the special meeting was mailed to shareholders. Each such written notice of a
proposed nominee shall set forth (1) the name, age, business or residence
address of each nominee proposed in such notice, (2) the principal occupation or
employment of each such nominee, and (3) the number of common shares of the
corporation owned beneficially and/or of record by each such nominee and the
length of time any such shares have been so owned.

         (B) If a shareholder shall attempt to nominate one or more persons for
election as a director at any meeting at which directors are to be elected
without having identified each such person in a written notice given as
contemplated by, and/or without having provided therein the information
specified in subparagraph (A) of this Section, each such attempted nomination
shall be invalid and shall be disregarded unless the person acting as Chairman
of the meeting determines that the facts warrant the acceptance of such
nomination.

         (C) The election of directors shall be by ballot whenever requested by
the person acting as Chairman of the meeting or by the holders of a majority of
the voting shares outstanding, entitled to vote at such meeting and present in
person or by proxy, but unless such request is made, the election shall be by
voice vote.

         Section 2.04. Removal. A director or directors may be removed from
office, with or without assigning any cause, only by the vote of the holders of
shares entitling them to exercise not less than a majority of the voting power
of the corporation to elect directors in place of those to be removed, provided
that unless all the directors, or all the directors of a particular class (if
the directors of the corporation are divided into classes), are removed, no
individual director shall be removed in case the votes of a sufficient number of
shares are cast against his removal that, if cumulatively voted at an election
of all directors, or all the directors of a particular class, as the case may
be, would be sufficient to elect at least one director. In case of any such
removal, a new director may be elected at the same meeting for the unexpired
term of each director removed. Failure to elect a director to fill the unexpired
term of any director removed shall be deemed to create a vacancy in the board.

         Section 2.05. Vacancies. The remaining directors, though less than a
majority of the whole authorized number of directors, may, by the vote of a
majority of their number, fill any vacancy in the board for the unexpired term.
A vacancy in the board exists within the meaning of this Section 2.05 in case
the shareholders increase the authorized number of directors but fail at the
meeting at which such increase is authorized, or an adjournment thereof, to
elect the additional directors provided for, or in case the shareholders fail at
any time to elect the whole authorized number of directors.

                                      -3-
<PAGE>

         Section 2.06. Meetings. A meeting of the directors shall be held
immediately following the adjournment of each annual meeting of shareholders at
which directors are elected, and notice of such meeting need not be given. The
directors shall hold such other meetings as may from time to time be called, and
such other meetings of directors may be called only by the chairman of the
board, the president, or any two directors. All meetings of directors shall be
held at the principal office of the corporation in Cincinnati, or at such other
place within or without the State of Ohio, as the directors may from time to
time determine by a resolution. Meetings of the directors may be held through
any communications equipment if all persons participating can hear each other
and participation in a meeting pursuant to this provision shall constitute
presence at such meeting.

         Section 2.07. Notice of Meetings. Notice of the time and place of each
meeting of directors for which such notice is required by law, the Articles, the
Regulations or the By-Laws shall be given to each of the directors by at least
one of the following methods:

         (A) In a writing mailed not less than three days before such meeting
and addressed to the residence or usual place of business of a director, as such
address appears on the records of the corporation; or

         (B) By telegraph, cable, radio, wireless, or a writing sent or
delivered to the residence or usual place of business of a director as the same
appears on the records of the corporation, not later than the day before the
date on which such meeting is to be held; or

         (C) Personally or by telephone not later than the day before the date
on which such meeting is to be held.

Notice given to a director by any one of the methods specified in the
Regulations shall be sufficient, and the method of giving notice to all
directors need not be uniform. Notice of any meeting of directors may be given
only by the chairman of the board, the president or the secretary of the
corporation. Any such notice need not specify the purpose or purposes of the
meeting. Notice of adjournment of a meeting of directors need not be given if
the time and place to which it is adjourned are fixed and announced at such
meeting.

         Section 2.08. Waiver of Notice. Notice of any meeting of directors may
be waived in writing, either before or after the holding of such meeting, by any
director, which writing shall be filed with or entered upon the records of the
meeting. The attendance of any director at any meeting of directors without
protesting, prior to or at the commencement of the meeting, the lack of proper
notice, shall be deemed to be a waiver by him of notice of such meeting.

         Section 2.09. Quorum. A majority of the whole authorized number of
directors shall be necessary to constitute a quorum for a meeting of directors,
except that a majority of the directors in office shall constitute a quorum for
filling a vacancy in the board. The act of a majority of the directors present
at a meeting at which a quorum is present is the act of the board, except as
otherwise provided by law, the Articles or the Regulations.

         Section 2.10. Executive Committee. The directors may create an
executive committee or any other committee of directors, to consist of not less
than three directors, and may authorize the delegation to such executive
committee or other committees of any of the authority of the directors, however
conferred, other than that of filling vacancies among the directors or in the
executive committee or in any other committee of the directors.

         Such executive committee or any other committee of directors shall
serve at the pleasure of the directors, shall act only in the intervals between
meetings of the directors, and shall be subject to the control and direction of
the directors. Such executive committee or other committee of directors may act
by a majority of its members at a meeting or by a writing or writings signed by
all of its members.

         Any act or authorization of any act by the executive committee or any
other committee within the authority delegated to it shall be as effective for
all purposes as the act or authorization of the directors. No notice of a
meeting of the executive committee or of any other committee of directors shall
be required. A meeting of the executive committee or of any other committee of
directors may be called only by the president or by a member of such executive
or other committee of directors. Meetings of the executive committee or of any

                                      -4-
<PAGE>

other committee of directors may be held through any communications equipment if
all persons participating can hear each other and participation in such a
meeting shall constitute presence thereat.

         Section 2.11.  Compensation.  Directors shall be entitled to receive as
compensation for services rendered and expenses incurred as directors, such
amounts as the directors may determine.

         Section 2.12. By-Laws. The directors may adopt, and amend from time to
time, By-Laws for their own government, which By-Laws shall not be inconsistent
with the law, the Articles or the Regulations.

                                  ARTICLE THREE
                                    OFFICERS

         Section 3.01. Officers. The officers of the corporation to be elected
by the directors shall be a president, a secretary, a treasurer, and, if
desired, one or more vice presidents and such other officers and assistant
officers as the directors may from time to time elect. The directors may elect a
chairman of the board, who must be a director. Officers need not be shareholders
of the corporation, and may be paid such compensation as the board of directors
may determine. Any two or more offices may be held by the same person, but no
officer shall execute, acknowledge, or verify any instrument in more than one
capacity if such instrument is required by law, the Articles, the Regulations or
the By-Laws to be executed, acknowledged, or verified by two or more officers.

         Section 3.02. Tenure of Office. The officers of the corporation shall
hold office at the pleasure of the directors. Any officer of the corporation may
be removed, either with or without cause, at any time, by the affirmative vote
of a majority of all the directors then in office; such removal, however, shall
be without prejudice to the contract rights, if any, of the person so removed.

         Section 3.03. Duties of the Chairman of the Board. The chairman of the
board, if any, shall preside at all meetings of the directors. He shall have
such other powers and duties as the directors shall from time to time assign to
him.

         Section 3.04. Duties of the President. The president shall be the chief
executive officer of the corporation and shall exercise supervision over the
business of the corporation and shall have, among such additional powers and
duties as the directors may from time to time assign to him, the power and
authority to sign all certificates evidencing shares of the corporation and all
deeds, mortgages, bonds, contracts, notes and other instruments requiring the
signature of the president of the corporation. It shall be the duty of the
president to preside at all meetings of shareholders.

         Section 3.05. Duties of the Vice Presidents. In the absence of the
president or in the event of his inability or refusal to act, the vice
president, if any (or in the event there be more than one vice president, the
vice presidents in the order designated, or in the absence of any designation,
then in the order of their election), shall perform the duties of the president,
and when so acting, shall have all the powers of and be subject to all
restrictions upon the president. The vice presidents shall perform such other
duties and have such other powers as the directors may from time to time
prescribe.

         Section 3.06. Duties of the Secretary. It shall be the duty of the
secretary, or of an assistant secretary, if any, in case of the absence or
inability to act of the secretary, to keep minutes of all the proceedings of the
shareholders and the directors and to make a proper record of the same; to
perform such other duties as may be required by law, the Articles or the
Regulations; to perform such other and further duties as may from time to time
be assigned to him by the directors or the president; and to deliver all books,
paper and property of the corporation in his possession to his successor, or to
the president.

         Section 3.07. Duties of the Treasurer. The treasurer, or an assistant
treasurer, if any, in case of the absence or inability to act of the treasurer,
shall receive and safely keep in charge all money, bills, notes, choses in
action, securities and similar property belonging to the corporation, and shall
do with or disburse the same as directed by the president or the directors;
shall keep an accurate account of the finances and business of the corporation,

                                      -5-
<PAGE>

including accounts of its assets, liabilities, receipts, disbursements, gains,
losses, stated capital and shares, together with such other accounts as may be
required and hold the same open for inspection and examination by the directors;
shall give bond in such sum with such security as the directors may require for
the faithful performance of his duties; shall, upon the expiration of his term
of office, deliver all money and other property of the corporation in his
possession or custody to his successor or the president; and shall perform such
other duties as from time to time may be assigned to him by the directors.

                                  ARTICLE FOUR
                                     SHARES

         Section 4.01. Certificates. Certificates evidencing ownership of shares
of the corporation shall be issued to those entitled to them. Each certificate
evidencing shares of the corporation shall bear a distinguishing number; the
signatures of the chairman of the board, the president, or a vice president, and
of the secretary or an assistant secretary (except that when any such
certificate is countersigned by an incorporated transfer agent or registrar,
such signatures may be facsimile, engraved, stamped or printed); and such
recitals as may be required by law. Certificates evidencing shares of the
corporation shall be of such tenor and design as the directors may from time to
time adopt and may bear such recitals as are permitted by law.

         Section 4.02.  Transfers.  Where a certificate evidencing a share or
shares of the corporation is presented to the corporation or its proper agents
with a request to register transfer, the transfer shall be registered as
requested if:

                  (1) An appropriate person signs on each certificate so
presented or signs on a separate document an assignment or transfer of shares
evidenced by each such certificate, or signs a power to assign or transfer such
shares, or when the signature of an appropriate person is written without more
on the back of each such certificate; and

                  (2) Reasonable assurance is given that the indorsement of each
appropriate person is genuine and effective; the corporation or its agents may
refuse to register a transfer of shares unless the signature of each appropriate
person is guaranteed by a commercial bank or trust company having an office or a
correspondent in the City of New York or by a firm having membership in the New
York Stock Exchange; and

                  (3) All applicable laws relating to the collection of transfer
or other taxes have been complied with; and

                  (4) The corporation or its agents are not otherwise required
or permitted to refuse to register such transfer.

         Section 4.03.  Transfer Agents and Registrars.  The directors may
appoint one or more agents to transfer or to register shares of the corporation,
or both.

         Section 4.04. Lost, Wrongfully Taken or Destroyed Certificates. Except
as otherwise provided by law, where the owner of a certificate evidencing shares
of the corporation claims that such certificate has been lost, destroyed or
wrongfully taken, the directors must cause the corporation to issue a new
certificate in place of the original certificate if the owner:

                  (1)  So requests before the corporation has notice that such
original certificate has been acquired by a bona fide purchaser; and

                  (2)  Files with the corporation, unless waived by the
directors, an indemnity bond, with surety or sureties satisfactory to the
corporation, in such sums as the directors may, in their any loss or liability
that the corporation may incur by reason of the issuance of each such new
certificate; and

                  (3)  Satisfies any other reasonable requirements which may be
imposed by the directors, in their discretion.

                                      -6-
<PAGE>

         Section 4.05. Uncertificated Shares. Anything contained in this Article
Fourth to the contrary notwithstanding, the directors may provide by resolution
that some or all of any or all classes and series of shares of the corporation
shall be uncertificated shares, provided that such resolution shall not apply to
(A) shares of the corporation represented by a certificate until such
certificate is surrendered to the corporation in accordance with applicable
provisions of Ohio law or (B) any certificated security of the corporation
issued in exchange for an uncertificated security in accordance with applicable
provisions of Ohio law. The rights and obligations of the holders of
uncertificated shares and the rights and obligations of the holders of
certificates representing shares of the same class and series shall be
identical, except as otherwise expressly provided by law.

                                  ARTICLE FIVE
                          INDEMNIFICATION AND INSURANCE

         Section 5.01. Mandatory Indemnification. The corporation shall
indemnify any officer or director of the corporation who was or is a party or is
threatened to be made a party to any threatened, pending or completed action,
suit or proceeding, whether civil, criminal, administrative or investigative
(including, without limitation, any action threatened or instituted by or in the
right of the corporation), by reason of the fact that he is or was a director,
officer, employee or agent of the corporation, or is or was serving at the
request of the corporation as a director, trustee, officer, employee or agent of
another corporation (domestic or foreign, nonprofit or for profit), partnership,
joint venture, trust or other enterprise, against expenses (including, without
limitation, attorneys' fees, filing fees, court reporters' fees and transcript
costs), judgments, fines and amounts paid in settlement actually and reasonably
incurred by him in connection with such action, suit or proceeding if he acted
in good faith and in a manner he reasonably believed to be in or not opposed to
the best interests of the corporation, and with respect to any criminal action
or proceeding, he had no reasonable cause to believe his conduct was unlawful. A
person claiming indemnification under this Section 5.01 shall be presumed, in
respect of any act or omission giving rise to such claim for indemnification, to
have acted in good faith and in a manner he reasonably believed to be in or not
opposed to the best interests of the corporation, and with respect to any
criminal matter, to have had no reasonable cause to believe his conduct was
unlawful, and the termination of any action, suit or proceeding by judgment,
order, settlement or conviction, or upon a plea of nolo contendere or its
equivalent, shall not, of itself, rebut such presumption.

         Section 5.02.  Court-Approved Indemnification.  Anything contained in
the Regulations or elsewhere to the contrary notwithstanding:

         (A) the corporation shall not indemnify any officer or director of the
corporation who was a party to any completed action or suit instituted by or in
the right of the corporation to procure a judgment in its favor by reason of the
fact that he is or was a director, officer, employee or agent of the
corporation, or is or was serving at the request of the corporation as a
director, trustee, officer, employee or agent of another corporation (domestic
or foreign, nonprofit or for profit), partnership, joint venture, trust or other
enterprise, in respect of any claim, issue or matter asserted in such action or
suit as to which he shall have been adjudged to be liable for acting with
reckless disregard for the best interests of the corporation or misconduct
(other than negligence) in the performance of his duty to the corporation unless
and only to the extent that the Court of Common Pleas of Hamilton County, Ohio
or the court in which such action or suit was brought shall determine upon
application that, despite such adjudication of liability, and in view of all the
circumstances of the case, he is fairly and reasonably entitled to such
indemnity as such Court of Common Pleas or such other court shall deem proper;
and

         (B) the corporation shall promptly make any such unpaid indemnification
as is determined by a court to be proper as contemplated by this Section 5.02.

         Section 5.03. Indemnification for Expenses. Anything contained in the
Regulations or elsewhere to the contrary notwithstanding, to the extent that an
officer or director of the corporation has been successful on the merits or
otherwise in defense of any action, suit or proceeding referred to in Section
5.01, or in defense of any claim, issue or matter therein, he shall be promptly
indemnified by the corporation against expenses (including, without limitation,
attorneys' fees, filing fees, court reporters' fees and transcript costs)
actually and reasonably incurred by him in connection therewith.

                                      -7-
<PAGE>

         Section 5.04. Determination Required. Any indemnification required
under Section 5.01 and not precluded under Section 5.02 shall be made by the
corporation only upon a determination that such indemnification of the officer
or director is proper in the circumstances because he has met the applicable
standard of conduct set forth in Section 5.01. Such determination may be made
only (A) by a majority vote of a quorum consisting of directors of the
corporation who were not and are not parties to, or threatened with, any such
action, suit or proceeding, or (B) if such a quorum is not obtainable or if a
majority of a quorum of disinterested directors so directs, in a written opinion
by independent legal counsel other than an attorney, or a firm having associated
with it an attorney, who has been retained by or who has performed services for
the corporation, or any person to be indemnified, within the past five years, or
(C) by the shareholders, or (D) by the Court of Common Pleas of Hamilton County,
Ohio or (if the corporation is a party thereto) the court in which such action,
suit or proceeding was brought, if any; any such determination may be made by a
court under division (D) of this Section 5.04 at any time [including, without
limitation, any time before, during or after the time when any such
determination may be requested of, be under consideration by or have been denied
or disregarded by the disinterested directors under division (A) or by
independent legal counsel under division (B) or by the shareholders under
division (C) of this Section 5.04]; and no failure for any reason to make any
such determination, and no decision for any reason to deny any such
determination, by the disinterested directors under division (A) or by
independent legal counsel under division (B) or by shareholders under division
(C) of this Section 5.04 shall be evidence in rebuttal of the presumption
recited in Section 5.01. Any determination made by the disinterested directors
under division (A) or by independent legal counsel under division (B) of this
Section 5.04 to make indemnification in respect of any claim, issue or matter
asserted in an action or suit threatened or brought by or in the right of the
corporation shall be promptly communicated to the person who threatened or
brought such action or suit, and within ten (10) days after receipt of such
notification such person shall have the right to petition the Court of Common
Pleas of Hamilton County, Ohio or the court in which such action or suit was
brought, if any, to review the reasonableness of such determination.

         Section 5.05. Advances for Expenses. Expenses (including, without
limitation, attorneys' fees, filing fees, court reporters' fees and transcript
costs) incurred in defending any action, suit or proceeding referred to in
Section 5.01 shall be paid by the corporation in advance of the final
disposition of such action, suit or proceeding to or on behalf of the officer or
director promptly as such expenses are incurred by him, but only if such officer
or director shall first agree, in writing, to repay all amounts so paid in
respect of any claim, issue or other matter asserted in such action, suit or
proceeding in defense of which he shall not have been successful on the merits
or otherwise:

         (A) if it shall ultimately be determined as provided in Section 5.04
that he is not entitled to be indemnified by the corporation as provided under
Section 5.01; or

         (B) if, in respect of any claim, issue or other matter asserted by or
in the right of the corporation in such action or suit, he shall have been
adjudged to be liable for acting with reckless disregard for the best interests
of the corporation or misconduct (other than negligence) in the performance of
his duty to the corporation, unless and only to the extent that the Court of
Common Pleas of Hamilton County, Ohio or the court in which such action or suit
was brought shall determine upon application that, despite such adjudication of
liability, and in view of all the circumstances, he is fairly and reasonably
entitled to all or part of such indemnification.

         Section 5.06. Article Five Not Exclusive. The indemnification provided
by this Article Five shall not be exclusive of, and shall be in addition to, any
other rights to which any person seeking indemnification may be entitled under
the Articles or the Regulations or any agreement, vote of shareholders or
disinterested directors, or otherwise, both as to action in his official
capacity and as to action in another capacity while holding such office, and
shall continue as to a person who has ceased to be an officer or director of the
corporation and shall inure to the benefit of the heirs, executors, and
administrators of such a person.

         Section 5.07. Insurance. The corporation may purchase and maintain
insurance or furnish similar protection, including but not limited to trust
funds, letters of credit, or self-insurance, on behalf of any person who is or
was a director, officer, employee or agent of the corporation, or is or was
serving at the request of the corporation as a director, trustee, officer,
employee, or agent of another corporation (domestic or foreign, nonprofit or for
profit), partnership, joint venture, trust or other enterprise, against any
liability asserted against him and incurred by him in any such capacity, or
arising out of his status as such, whether or not the corporation would have the
obligation or the power to indemnify him against such liability under the
provisions of this Article Five. Insurance may be purchased from or maintained
with a person in which the corporation has a financial interest.

                                      -8-
<PAGE>

         Section 5.08.  Certain Definitions.  For purposes of this Article Five,
and as examples and not by way of limitation:

         (A) A person claiming indemnification under this Article 5 shall be
deemed to have been successful on the merits or otherwise in defense of any
action, suit or proceeding referred to in Section 5.01, or in defense of any
claim, issue or other matter therein, if such action, suit or proceeding shall
be terminated as to such person, with or without prejudice, without the entry of
a judgment or order against him, without a conviction of him, without the
imposition of a fine upon him and without his payment or agreement to pay any
amount in settlement thereof (whether or not any such termination is based upon
a judicial or other determination of the lack of merit of the claims made
against him or otherwise results in a vindication of him); and

         (B) References to an "other enterprise" shall include employee benefit
plans; references to a "fine" shall include any excise taxes assessed on a
person with respect to an employee benefit plan; and references to "serving at
the request of the corporation" shall include any service as a director,
officer, employee or agent of the corporation which imposes duties on, or
involves services by, such director, officer, employee or agent with respect to
an employee benefit plan, its participants or beneficiaries; and a person who
acted in good faith and in a manner he reasonably believed to be in the best
interests of the participants and beneficiaries of an employee benefit plan
shall be deemed to have acted in a manner "not opposed to the best interests of
the corporation" within the meaning of that term as used in this Article Five.

         Section 5.09. Venue. Any action, suit or proceeding to determine a
claim for indemnification under this Article Five may be maintained by the
person claiming such indemnification, or by the corporation, in the Court of
Common Pleas of Hamilton County, Ohio. The corporation and (by claiming such
indemnification) each such person consent to the exercise of jurisdiction over
its or his person by the Court of Common Pleas of Hamilton County, Ohio in any
such action, suit or proceeding.

                                   ARTICLE SIX
                                  MISCELLANEOUS

         Section 6.01. Amendments. Except as set forth in the Articles of
Incorporation, the Regulations may be amended, or new regulations may be
adopted, at a meeting of shareholders held for such purpose, only by the
affirmative vote of the holders of shares entitling them to exercise not less
than a majority of the voting power of the corporation on such proposal, or
without a meeting by the written consent of the holders of shares entitling them
to exercise not less than a majority the voting power of the corporation on such
proposal.

         Section 6.02. Action by Shareholders or Directors Without a Meeting.
Anything contained in the Regulations to the contrary notwithstanding, except as
provided in Section 6.01, any action which may be authorized or taken at a
meeting of the shareholders or of the directors or of a committee of the
directors, as the case may be, may be authorized or taken without a meeting with
the affirmative vote or approval of, and in a writing or writings signed by, all
the shareholders who would be entitled to notice of a meeting of the
shareholders held for such purpose, or all the directors, or all the members of
such committee of the directors, respectively, which writings shall be filed
with or entered upon the records of the corporation.

                                      -9-

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