EXHIBIT 99.6

                         BENEFICIAL OWNER ELECTION FORM

         I (we) acknowledge receipt of your letter and the enclosed materials
relating to the offering of subscription rights ("Rights") to purchase shares of
common stock (the "Common Stock") of Fidelity Federal Bancorp (the "Company").

In this form, I (we) instruct you whether to exercise Rights distributed with
respect to the Common Stock held by you for my (our) account, pursuant to the
terms and subject to the conditions set forth in the prospectus dated
__________, 2001 (the "Prospectus").

BOX 1. [ ] Please do not exercise Rights for shares of the Common Stock.

BOX 2. [ ] Please exercise Rights for shares of the Common Stock as set forth
           below:




                              Number of Rights              Subscription Price            Payment
                                                                                   
Basic Subscription             ___________ X                $______                       = $______ (Line 1)
Privilege:
Over-Subscription              ___________ X                $______                       = $______ (Line 2)
Privilege


         By exercising the Over-Subscription Privilege, I (we) hereby represent
and certify that I (we) have fully exercised my (our) Basic Subscription
Privilege received in respect of shares of Common Stock held in the
below-described capacity.

         Total Payment Required = $__________ (Sum of Lines 1 and 2; must equal
total of amounts in Boxes 3 and 4).

BOX 3. [ ]        Payment in the following amount is enclosed: __________

BOX 4. [ ]        Please deduct payment from the following account maintained by
                  you as follows:


                  ------------------                 -------------------
                  Type of Account                    Account No.

                  Amount to be deducted: $__________

Date: _______________, 2001                  _______________________ Signature