YOUNGSTOWN, Ohio - FFY Financial Corp., the $568 million-asset holding company for First Federal Savings Bank of Youngstown, earned $1.84 million, or 32 cents per share, for its second fiscal quarter ended Dec. 31, compared with $1.9 million, or 30 cents per share, a year earlier.

The company, which went public in June 1993 and converted to a stock savings bank from a mutual, reported net income for its first six months of $3.7 million, down 14% from $4.2 million the previous year.

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