Exhibit 99.6
                                    Peoples
                                  Bancorp, Inc
                                     (Logo)

                                  STOCK CENTER
                            134 Franklin Corner Road
                            Lawrenceville, NJ 08648
                                 1-888-844-7205

                         (Proposed Holding Company for
                           Trenton Savings Bank FSB)

STOCK  ORDER FORM &  CERTIFICATION  FORM Note:  Please read the Stock Order Form
Guide and Instructions included in the packet of information before completion.

DEADLINE The  Subscription  Offering expires at 12:00 Noon, New Jersey time,___,
1998. Your Original Stock Order Form and Certification  Form,  properly executed
and with the correct  payment,  must be received at the Stock Center or a branch
of Trenton Savings Bank FSB by this deadline,  or it will be considered void. No
photocopied or faxed Order Forms will be accepted.

NUMBER OF SHARES / AMOUNT OF PAYMENT


                                                                                    
(1) NUMBER OF SHARES OF PEOPLES
    BANCORP, INC. CURRENTLY OWNED         (2) Number of Shares     Price per Share       (3) Total Amount Due
                                                                   X   $10.00    =        $      
                                                (Minimum 25)


The minimum  number of shares for which you may subscribe is 25. For persons who
do not  currently  own shares of Peoples  Bancorp,  Inc.,  the maximum  purchase
limitations are as follows: (i) the maximum number of shares that any person (or
persons on a single  account)  may  purchase  in the  Offering  is ___ shares of
Common  Stock,  and (ii) the maximum  number of shares that any person  together
with any  associate  or group of persons  acting in concert may  purchase in the
Offering is ___ shares of Common Stock.  For persons who currently own shares of
Peoples Bancorp,  Inc., the share and share purchase  limitations are reduced by
the  product  of the final  Exchange  Ratio and the  number of shares of Peoples
Bancorp,  Inc.  currently  owned by the person or persons  submitting this Order
Form (as indicated in Item 1). The total number of shares to be sold is based on
a valuation that is subject to review prior to filling individual stock orders.

METHOD OF PAYMENT

(4)  Enclosed is a check,  bank draft or money order payable to PEOPLES BANCORP,
     INC. for $____________________ (or cash, if presented in person).

(5)  I authorize  TRENTON SAVINGS BANK FSB make the  withdrawals  from my Harbor
     Federal  account(s)  shown below,  and understand that the amounts will not
     otherwise be available for withdrawal:

PURCHASER INFORMATION

(6)  Check here if you are a DIRECTOR,  OFFICER or  EMPLOYEE of Trenton  Savings
     Bank FSB or a member of such person's immediate family.

     Check here if you were a depositor  with at least  $50.00 on deposit at the
     Eligibility   Record  Date  (August  31,   1996)  and/or  the   Suplemental
     Eligibility Record Date (December 31, 1997) and/or a depositor or borrrower
     on the Voting  Record Date  (February  6, 1997).  List all the names on the
     account(s)  and all the account  numbers(s)  of those  accounts  you had at
     these  dates to  ensure  proper  identification  of your  purchase  rights.
     Confirm  account(s) by initialing  here________________.  

                    ACCOUNT NUMBER(S)                  AMOUNT(S) 
                                                       $
                    Total Withdrawal                   $

THERE IS NO PENALTY FOR EARLY  WITHDRAWALS  USED FOR THIS  PAYMENT.  TO WITHDRAW
FROM AN ACCOUNT WITH CHECKING PRIVILEGES, PLEASE WRITE A CHECK.

          ACCOUNT TITLE (NAMES ON ACCOUNTS)         ACCOUNT NUMBER

If additional  space is needed,  please use the back side of this form.

(7)  STOCK REGISTRATION Form of stock ownership


                                                          
\ \  Individual            \ \   Uniform Transfer to Minors \ \  Partnership
\ \  Joint Tenants (WROS)  \ \   Uniform Gift to Minors     \ \  Individual Retirement Account
\ \  Tenants in Common     \ \   Corporation                \ \  Fiduciary/Trust (Under Agreement Dated ____________)



(8)  Name                                            Social Security or Tax I.D.
     Name                                            Daytime Telephone
     Street Address                                  Evening Telephone
     City             State           Zip Code       County of Residence

(9)  NASD  AFFILIATION  (This section applies to those  individuals who meet the
     delineated criteria)

     Check here if you are a member of the National  Association  of  Securities
Dealers, Inc. ("NASD"), a person associated with an NASD member, a member of the
immediate  family of any such person to whose  support such person  contributes,
directly or  indirectly,  or the holder of an account in which an NASD member or
person associated with an NASD member has a beneficial interest.  To comply with
conditions under which an exemption from the NASD's  Interpretation With Respect
to FreeRiding and  Withholding is available,  you agree, if you have checked the
NASD affiliation  box, (i) not to sell,  transfer or hypothecate the stock for a
period of 90 days following the issuance,  and (ii) to report this  subscription
in writing to the applicable NASD member within one day of the payment therefor.

(10) ASSOCIATE--ACTING IN CONCERT

     Check  here,  and  complete  the reverse  side of this Form,  if you or any
associates  (as defined on the reverse  side of this Form) or persons  acting in
concert  with you have  submitted  other  orders for shares in the  Subscription
and/or  Community  Offerings.  

ACKNOWLEDGMENT By signing below, I acknowledge receipt of the Prospectus dated ,
1998 and the provisions  therein and understand  that I may not change or revoke
my order once it is received by Peoples  Bancorp,  Inc. I also certify that this
stock order is for my account only and there is no  agreement  or  understanding
regarding  any further  sale or transfer of these  shares.  Federal  regulations
prohibit any person from  transferring,  or entering into any agreement directly
or  indirectly  to transfer,  the legal or  beneficial  ownership of  conversion
subscription  rights or the  underlying  securities  to the  account  of another
person.  Trenton  Savings  Bank FSB will pursue any and all legal and  equitable
remedies in the event it becomes  aware of the transfer of  subscription  rights
and will not honor orders known by it to involve such transfer.  Under penalties
of perjury,  I further  certify that: (1) the social security number or taxpayer
identification number given above is correct; and (2) I am not subject to backup
withholding.  You must cross out this item, (2) above, if you have been notified
by the  Internal  Revenue  Service  that you are  subject to backup  withholding
because of underreporting interest or dividends on your tax return.

(11) SIGNATURE

     THIS FORM MUST BE DATED AND SIGNED IN THE SPACE  PROVIDED  (ALONG WITH YOUR
DATED AND SIGNED  CERTIFICATION  FORM ON THE REVERSE SIDE). When purchasing as a
custodian,  corporate  officer,  etc.,  include your full title.  An  additional
signature is required  only when payment is by  withdrawal  from an account that
requires more than one signature to withdraw funds.

SIGNATURE                Title (if applicable)                       Date  
SIGNATURE                Title (if applicable)                       Date

YOUR ORDER WILL BE FILLED IN ACCORDANCE  WITH THE PROVISIONS OF THE  PROSPECTUS.
THIS ORDER IS NOT VALID IF NOT SIGNED.  If you need help  completing  this Form,
you may call the Stock Information Center at 1-(888) 844-7205.

THE SHARES OF COMMON STOCK OFFERED  HEREBY ARE NOT SAVINGS  ACCOUNTS AND ARE NOT
INSURED BY THE FEDERAL DEPOSIT INSURANCE  CORPORATION,  THE SAVINGS  ASSOCIATION
INSURANCE FUND OR ANY OTHER CORPORATION, FUND, OR GOVERNMENTAL AGENCY.

FOR OFFICE USE ONLY
Date Rec'd ____/____/____ Check # _________________  Amount  $ _________________
     Category _______     Order # _________          Batch _______ Initials ____

BE SURE TO COMPLETE AND SIGN THE CERTIFICATION FORM ON THE REVERSE SIDE.

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                                    Peoples
                                  Bancorp, Inc
                                     (Logo)

ITEM (6) -- (CONTINUED)         
ACCOUNT TITLE (NAMES ON ACCOUNTS)               ACCOUNT NUMBER(S) 
ACCOUNT TITLE (NAMES ON ACCOUNTS)               ACCOUNT NUMBER(S)       

ITEM (10) -- (CONTINUED)
List below all other orders submitted by you or your Associates (as defined) 
or by persons acting in concert with you.               

 NAMES LISTED ON OTHER                 NUMBER OF SHARES ORDERED
   STOCK ORDER FORMS                      

The term  "associate,"  when used to indicate a relationship with any person, is
defined to mean (i) a corporation or organization (other than the Mutual Holding
Company or Bancorp, a majority-owned subsidiary of Bancorp or the Bank) of which
such person is a director, officer or partner or is, directly or indirectly, the
beneficial  owner of 10% or more of any  class of  equity  securities,  (ii) any
trust or other estate in which such person has a substantial beneficial interest
or as to which such person serves as trustee or in a similar fiduciary capacity,
provided,  however,  that such term shall not include any tax qualified employee
stock benefit plan of the Bank in which such person has a substantial beneficial
interest or serves as a trustee or in a similar  fiduciary  capacity,  and (iii)
any relative or spouse of such person,  or any relative of such spouse,  who has
the same home as such  person or who is a director  or officer of Bancorp or the
Bank or any of the subsidiaries of the foregoing.

                               CERTIFICATION FORM

      (This form must be dated and signed along with your dated and signed
                     Stock Order Form on the reverse side.)

I  ACKNOWLEDGE  THAT THE  SHARES  OF  COMMON  STOCK,  $0.01  PAR VALUE PER SHARE
("COMMON STOCK"),  OF  PEOPLESBANCORP,  INC.  ("COmpany"),  THE PROPOSED HOLDING
COMPANY FOR TRENTON SAVINGS BANK FSB ("THEBANK"),  ARE NOT FEDERALLY INSURED AND
ARE NOT GUARANTEED BY THE COmpany, THE BANK OR THE FEDERAL GOVERNMENT.

If anyone  asserts  that the  shares of Common  Stock are  federally  insured or
guaranteed,  or are as safe as an insured  deposit,  I should call the Office of
Thrift  Supervision's  Northeast  Regional  Director,  Robert  Albanese at (201)
413-1000.

I further  certify  that,  before  purchasing  the shares of Common Stock of the
Company,  I received a copy of the Prospectus dated _____ , 1998 which discloses
the nature of the shares of Common Stock being offered thereby and describes the
following  risks involved in an investment in the Common Stock under the heading
"Risk Factors" beginning on page 19 of the Prospectus:

1.   Low Return of equity Following the Conversion ......................(Page )
2.   Uncertaintly as to Future Growth  Opportunities and Ability to Successfully
     Deploy Offering Proceds ............................................(Page )
3.   Independent Valuation of the Company and its Impact on the Trading Price of
     Common Stocks ......................................................(Page )
4.   Absence of Securities Gains ........................................(Page )
5.   Possible Increase in Offering Range and Number of Shares Issued ....(Page )
6.   Potential  Effects of Charges in Interest  Rates and the  Current  Interest
     Rate Environment ...................................................(Page )
7.   Risks Related to Increasing Portfolio of Higher Yielding Loans .....(Page )
8.   Certain Anti-Takeover Provisions ...................................(Page )
9.   Possible Dilutive Effect of Issujoance of Additional Shares ........(Page )
10.  Higher Compensation Expenses in Future Periods .....................(Page )
11.  Regulatory Oversight and Legislation ...............................(Page )
12.  Capability of the Bank's Data  Processing  Hardware to Accommodate the Year
     2000 ...............................................................(Page )

Signature            Date              Signature            Date
 
Name (Please Print)                    Name (Please Print)

(NOTE: ALL PARTIES NAMED AS REGISTERED OWNERS IN ITEM 8 ON THE REVERSE SIDE MUST
SIGN CERTIFICATION FORM)

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