First Federal Financial Services, Inc. is a federal corporation that was organized in 2001 as part of the mutual holding company reorganization of First Federal Savings & Loan Association of Edwardsville. Our principal asset is our ownership of 100% of the outstanding common stock of First Federal Savings & Loan Association of Edwardsville ("First Federal"). We are a majority- owned subsidiary of First Federal Financial Services, MHC, a federally chartered mutual holding company. In June 2004, we sold 1,764,027 shares of our common stock; the remaining 2,156,033 shares are held by our mutual holding company parent. The net proceeds from our stock offering totaled $16.0...