SECURITIES AND EXCHANGE COMMISSION
                                Washington, D.C.

                                     FORM 15


CERTIFICATION  AND NOTICE OF TERMINATION OF REGISTRATION  UNDER SECTION 12(g) OF
THE SECURITIES  EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER
SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

                                                  Commission File Number 0-23109
                                                                         -------

                       Ohio State Financial Services, Inc.
                  (by its successor, Advance Financial Bancorp)
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             (Exact name of registrant as specified in its charter)


                     435 Main Street, Bridgeport, Ohio 43912
                                 (740) 635-0764
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  (Address, including zip code, and telephone number, including area code, of
                   registrant's principal executive offices)


                         Common Stock, without par value
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            (Title of each class of securities covered by this Form)

                                 Not Applicable
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       (Titles of all other classes of securities for which a duty to file
                 reports under section 13(a) or 15(d) remains)

     Please  place  an X in the  box(es)  to  designate,  the  appropriate  rule
provision(s) relied upon to terminate or suspend the duty to file reports:

         Rule 12g-4(a)(1)(i)    |X|              Rule 12h-3(b)(1)(i)       |_|
         Rule 12g-4(a)(1)(ii)   |_|              Rule 12h-3(b)(1)(ii)      |_|
         Rule 12g-4(a)(2)(i)    |_|              Rule 12h-3(b)(2)(i)       |_|
         Rule 12g-4(a)(2)(ii)   |_|              Rule 12h-3(b)(2)(ii)      |_|
                                                 Rule 15d-6                |_|

     Approximate  number of holders of record as of the  certification or notice
date:     None
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     Effective 9/7/01, Ohio State Financial Services,  Inc. merged with and into
Advance Financial Bancorp (0-21885).

     Pursuant to the requirements of the Securities Exchange Act of 1934 Advance
Financial  Bancorp  has  caused  this  certification/notice  to be signed on its
behalf by the undersigned duly authorized person.

Date: September 7, 2001          By:   /s/Stephen M. Gagliardi
                                       -----------------------------------------
                                       Stephen M. Gagliardi, President and Chief
                                       Executive Officer