EXHIBIT 99.2

PRESS RELEASE

            LAWRENCE FINANCIAL HOLDINGS, INC. ANNOUNCES CASH DIVIDEND

IRONTON,  Ohio--Feb. 13, 2004--Lawrence Financial Holdings, Inc. - Ironton, Ohio


The Board of Directors of Lawrence  Financial  Holdings,  Inc.  today declared a
cash  dividend  for the  quarter  ending  March  31,  2004 of $0.07 per share to
stockholders  of record on March 05, 2004.  Payment of the cash dividend will be
made on March 31, 2004.

Lawrence  Financial  Holdings,  Inc. is the holding company for Lawrence Federal
Savings Bank, a federally chartered savings bank headquartered in Ironton, Ohio.
Lawrence  Federal  operates a total of five  full-service  banking  offices with
locations  in  Ironton,   Chesapeake,  South  Point, Rome  and  Wheelersburg  in
southeastern Ohio.

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Contact:

        Lawrence Financial Holdings, Inc.
        Jack Blair or RobRoy Walters, 740-532-0263
        Fax: 740-532-1885