0000928385-99-000857 ARS 1 19981231 19990322 OCEAN FINANCIAL CORP 0001004702 6035 223412577 DE 1231 ARS 34 001-11713 99569348 975 HOOPER AVE TOMS RIVER NJ 08753-8396 9084775200 74 BRICK BLVD. BRICK TOWNSHIP NJ 08723 ARS 1 000092838599000857-001-seq1-ars.txt ANNUAL REPORT