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                                                                    Exhibit 99.3
                                 REVOCABLE PROXY

                     BRIDGEPORT SAVINGS AND LOAN ASSOCIATION

                    THIS PROXY IS SOLICITED ON BEHALF OF THE
          BOARD OF DIRECTORS OF BRIDGEPORT SAVINGS AND LOAN ASSOCIATION

         The undersigned member of Bridgeport Savings and Loan Association, a
savings and loan association incorporated under Ohio law (the "Association"),
hereby nominates, constitutes and appoints ____________ and _______________, or
either one of them, as proxy or proxies for the undersigned member, each with
full power of substitution and resubstitution, to vote all of the votes which
the undersigned member is entitled to cast at the Special Meeting of the Members
of the Association to be held at ____ __.m., local time, on ___________, 1997,
at __________________, Bridgeport, Ohio, and at any adjournments thereof (the
"Special Meeting"), on the following matters and in the manner specified below:

          1.   The approval of the Plan of Conversion, a copy of which is
               attached as Exhibit A to the Summary Proxy Statement mailed to
               the undersigned member in connection with the Special Meeting,
               pursuant to which the Association would convert from a mutual
               savings and loan association incorporated under Ohio law to a
               permanent capital stock savings and loan association incorporated
               under Ohio law and become a wholly-owned subsidiary of Ohio State
               Financial Services, Inc., an Ohio corporation organized for the
               purpose of purchasing all of the capital stock to be issued by
               the Association in connection with the Conversion.

                      FOR [ ]         AGAINST [ ]        ABSTAIN [ ]


          2.   The adoption of the Amended Articles of Incorporation of the
               Association, a copy of which is attached to the Plan of
               Conversion as Exhibit I.

                      FOR [ ]         AGAINST [ ]        ABSTAIN [ ]


          3.   The adoption of the Amended Constitution of the Association, a
               copy of which is attached to the Plan of Conversion as Exhibit
               II.

                      FOR [ ]         AGAINST [ ]        ABSTAIN [ ]


          4.   In their discretion, upon such other matters as may properly come
               before the Special Meeting.

         This Revocable Proxy will be voted as directed by the undersigned
member. IF NO DIRECTION IS GIVEN, THIS REVOCABLE PROXY WILL BE VOTED FOR THE
APPROVAL OF THE PLAN OF CONVERSION, FOR THE ADOPTION OF THE AMENDED ARTICLES OF
INCORPORATION AND FOR THE ADOPTION OF THE AMENDED CONSTITUTION.

         Without affecting any vote previously taken, this Revocable Proxy may
be revoked by the undersigned at any time before it is exercised by (i)
executing and delivering to the Association a later dated proxy, or (ii) giving
notice of revocation in writing to the Secretary of the Association or in open
meeting to the inspectors of election.

                      IMPORTANT: PLEASE SIGN AND DATE THIS
                      REVOCABLE PROXY ON THE REVERSE SIDE.



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                                      PROXY

          Receipt of the Summary Proxy Statement of the Association and the
Prospectus of Ohio State Financial Services, Inc. dated ______________, 1997, is
hereby acknowledged by the undersigned.

                                            -----------------------------------
                                            Signature

                                            Dated:  _____________________, 1997

NOTE: Please sign your name exactly as it appears on this Revocable Proxy. Joint
accounts require only one signature. If you are signing this Revocable Proxy as
an attorney, administrator, agent, corporation, officer, executor, trustee or
guardian, etc., please add your full title to your signature.

IMPORTANT: IF YOU RECEIVE MORE THAN ONE CARD, PLEASE SIGN AND RETURN ALL CARDS
IN THE ACCOMPANYING ENVELOPE.