**PRESS RELEASE**

Contact:
- -------
Kim Davidson
Senior Vice President of Business Development
(609) 399-0012


                             OCEAN SHORE HOLDING CO.
                             ----------------------
                        ANNOUNCES DATE OF ANNUAL MEETING
                        --------------------------------

        Ocean City,  New Jersey -- January  19,  2005.  Ocean Shore  Holding Co.
(Nasdaq:  OSHC)  announced  today  that  the  Corporation's  annual  meeting  of
shareholders will be held on Wednesday, May 18, 2005.

        Ocean Shore Holding Co. is the holding company for Ocean City Home Bank,
which operates from 6 offices in Atlantic and Cape May Counties, New Jersey.