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<SEC-DOCUMENT>0001116502-04-002482.txt : 20041021
<SEC-HEADER>0001116502-04-002482.hdr.sgml : 20041021
<ACCEPTANCE-DATETIME>20041021171654
ACCESSION NUMBER:		0001116502-04-002482
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20041021
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20041021
DATE AS OF CHANGE:		20041021

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OptimumBank Holdings, Inc.
		CENTRAL INDEX KEY:			0001288855
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-50755
		FILM NUMBER:		041090221

	BUSINESS ADDRESS:	
		STREET 1:		10197 CLEARY BOULEVARD
		CITY:			PLANTATION
		STATE:			FL
		ZIP:			33324
		BUSINESS PHONE:		954-452-9501

	MAIL ADDRESS:	
		STREET 1:		10197 CLEARY BOULEVARD
		CITY:			PLANTATION
		STATE:			FL
		ZIP:			33324
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>optimumbank8k.htm
<DESCRIPTION>CURRENT REPORT
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<TITLE>bp-x1-53724 -- OptimumBank Holdings, Inc. -- 8-K</TITLE>
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<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>UNITED STATES</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>SECURITIES AND EXCHANGE COMMISSION</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:14pt; font-family:Times New Roman" align=center><B>Washington, D.C. 20549</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center>_______________</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:16pt; font-family:Times New Roman; font-size:14pt" align=center><B>FORM 8-K</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><B>CURRENT REPORT</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><B>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center>Date of Report (Date of earliest event reported)<B> &nbsp;October 21, 2004</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:18pt; font-family:Times New Roman; font-size:16pt" align=center><B>OPTIMUMBANK HOLDINGS, INC.</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center>(Exact name of registrant as specified in its charter)</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman"><BR></P>
<TABLE style="margin-right:126pt; font-size:10pt" cellspacing=0><TR><TD valign=top><P style="margin:0pt; font-family:Times New Roman"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></P>
</TD><TD valign=top><P style="margin:0pt; font-family:Times New Roman" align=center><B>Florida</B></P>
</TD><TD valign=top><P style="margin:0pt; font-family:Times New Roman" align=center><B>0001288855</B></P>
</TD><TD valign=top><P style="margin:0pt; font-family:Times New Roman" align=center><B>55-0865043</B></P>
</TD></TR>
<TR><TD valign=top>&nbsp;</TD><TD valign=top><P style="margin:0pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center>(State&nbsp;or&nbsp;Other&nbsp;Jurisdiction</P>
<P style="margin:0pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center>of&nbsp;Incorporation)</P>
</TD><TD valign=top><P style="margin:0pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center>(Commission</P>
<P style="margin:0pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center>File&nbsp;Number)</P>
</TD><TD valign=top><P style="margin:0pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center>(I.R.S.&nbsp;Employer</P>
<P style="margin:0pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center>Identification&nbsp;No.)</P>
</TD></TR>
<TR><TD valign=top>&nbsp;</TD><TD valign=top><P style="margin:0pt; line-height:11pt; font-family:Times New Roman; font-size:9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
</TD><TD valign=top><P style="margin:0pt; line-height:11pt; font-family:Times New Roman; font-size:9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
</TD><TD valign=top><P style="margin:0pt; line-height:11pt; font-family:Times New Roman; font-size:9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
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<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><B>2477 E. Commercial Blvd., Ft. Lauderdale, FL 33308</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center>(Address of Principal Executive Office) (Zip Code)</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><B>(954) 776-2332</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center>(Registrant&#146;s telephone number, including area code)</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:11pt; font-family:Times New Roman; font-size:9pt" align=center>(Former name or former address, if changed since last report.): N/A</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-right:72pt; width:414pt; font-family:Times New Roman" align=center><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: </P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Wingdings">&#168;<FONT FACE="Times New Roman"> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </FONT></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Wingdings">&#168;<FONT FACE="Times New Roman"> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </FONT></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Wingdings">&#168;<FONT FACE="Times New Roman"> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17&nbsp;CFR&nbsp;240.14d-2(b)) </FONT></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Wingdings">&#168;<FONT FACE="Times New Roman"> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17&nbsp;CFR&nbsp;240.13e-4(c))</FONT></P>
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<P style="page-break-before:always; margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman"><B>Item 2.02.&nbsp;&nbsp;&nbsp;Results of Operations and Financial Condition and Item 7.01. Regulation FD Disclosure.</B></P>
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<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; text-indent:24.5pt; width:486pt; font-family:Times New Roman" align=justify>On October 21, 2004, OptimumBank Holdings, Inc. issued a press release reporting financial results for the quarter ended September 30, 2004 (furnished hereunder as Exhibit 99.1).</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; text-indent:24.5pt; width:486pt; font-family:Times New Roman" align=justify><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=justify><B>Item 9.01&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits.</B></P>
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<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; text-indent:24.5pt; width:486pt; font-family:Times New Roman" align=justify>(c) <U>Exhibits</U></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; text-indent:24.5pt; width:486pt; font-family:Times New Roman" align=justify><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; text-indent:24.5pt; width:486pt; font-family:Times New Roman" align=justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<A HREF="pressrelease991.htm"><FONT COLOR=#0000FF><U>99.1</U></FONT></A>&nbsp;&nbsp;&nbsp;3<SUP>rd</SUP> Quarter Results Press Release dated October 21, 2004.</P>
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<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center>2</P>
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<P style="page-break-before:always; margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><B>SIGNATURES</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman; font-size:11pt"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; text-indent:36pt; width:486pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman; font-size:11pt"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman; font-size:11pt"><BR></P>
<TABLE style="margin-right:126pt; font-size:10pt" cellspacing=0><TR><TD valign=top><P style="margin:0pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
</TD><TD valign=top colspan=2><P style="margin:0pt; font-family:Times New Roman"><B>OPTIMUMBANK&nbsp;HOLDINGS,&nbsp;INC.</B></P>
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<TR><TD valign=top>&nbsp;</TD><TD valign=top>&nbsp;</TD><TD valign=top><P style="margin:0pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P>
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<TR><TD valign=top><P style="margin:0pt; font-family:Times New Roman">Date:&nbsp;&nbsp;October 21, 2004</P>
</TD><TD valign=top><P style="margin:0pt; font-family:Times New Roman">By:&nbsp;&nbsp;</P>
</TD><TD style="border-bottom:0.5pt solid #000000" valign=top><P style="margin:0pt; font-family:Times New Roman">/s/<SMALL> <BIG>R<SMALL>ICHARD<BIG> L. B<SMALL>ROWDY</SMALL></P>
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<TR><TD valign=top>&nbsp;</TD><TD valign=top>&nbsp;</TD><TD valign=top rowspan=2><P style="margin:0pt; font-family:Times New Roman">Richard L. Browdy</P>
<P style="margin:0pt; font-family:Times New Roman">President</P>
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<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center>3</P>
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<P style="page-break-before:always; margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; font-family:Times New Roman" align=center><B>INDEX TO EXHIBITS</B></P>
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<TABLE style="margin-right:126pt; font-size:10pt" cellspacing=0><TR><TD style="border-bottom:0.5pt solid #000000" valign=top><P style="margin:0pt; font-family:Times New Roman" align=justify><B>Exhibit No.</B></P>
</TD><TD valign=top>&nbsp;</TD><TD style="border-bottom:0.5pt solid #000000" valign=top><P style="margin:0pt; font-family:Times New Roman" align=justify><B>Exhibit Description</B></P>
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<TR><TD valign=top>&nbsp;</TD><TD valign=top><P style="margin:0pt; font-family:Times New Roman" align=justify><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></P>
</TD><TD valign=top><P style="margin:0pt; font-family:Times New Roman" align=justify><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></P>
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<TR><TD valign=top><P style="margin:0pt; font-family:Times New Roman" align=center><A HREF="pressrelease991.htm"><FONT COLOR=#0000FF><U>99.1</U></FONT></A></P>
</TD><TD valign=top>&nbsp;</TD><TD valign=top><P style="margin:0pt; font-family:Times New Roman" align=justify>Press&nbsp;Release&nbsp;issued&nbsp;October&nbsp;21,&nbsp;2004.</P>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>pressrelease991.htm
<DESCRIPTION>PRESS RELEASE
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<TITLE><B><U>BP53724 -- OptimumBank -- Exhibit 99.1</TITLE>
<META NAME="keywords" CONTENT="Bassett Press, Inc. 954-928-2862">
<META NAME="author" CONTENT="Bassett Press, Inc. 954-928-2862">
<META NAME="date" CONTENT="10/21/2004">
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<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; line-height:10pt; font-family:Times New Roman; font-size:8pt" align=right><B>EXHIBIT 99.1&nbsp;</B></P>
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<TABLE style="margin-right:126pt; font-size:10pt" cellspacing=0><TR><TD valign=top><P style="margin:0pt; font-family:Times New Roman; font-size:12pt"><img src="pressrelease991002.jpg" alt="[pressrelease991002.jpg]" align=middle height=94.6 width=389.533></P>
</TD><TD valign=bottom><P style="margin:0pt; line-height:26pt; font-family:Arial; font-size:24pt" align=right>Press</P>
<P style="margin:0pt; line-height:26pt; font-family:Arial; font-size:24pt" align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Release</P>
</TD></TR>
</TABLE>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Times New Roman; font-size:12pt"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Times New Roman; font-size:8pt"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:-12.5pt; padding-left:-9pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt"><B>FOR IMMEDIATE RELEASE</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; text-indent:333pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt">October 21, 2004</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt">For more information contact:</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Arial; font-size:10.5pt"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:-12.5pt; padding-left:-9pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt">Richard L. Browdy, President</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; text-indent:261pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt">Albert J. Finch, Chairman of the Board</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:-12.5pt; padding-left:-9pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt">(954) 776-2332</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; text-indent:261pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt">(954) 776-2332</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Arial; font-size:10.5pt"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt" align=center><B>OptimumBank Holdings Announces Quarterly Results</B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Arial; font-size:10.5pt"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt" align=justify>Plantation, FL. (October 21, 2004). OptimumBank Holdings, Inc. (NASDAQ:OPHC), holding company for OptimumBank, reported net income of $375,840 or $.14 per share for the quarter ended September 30, 2004, a 43% increase over net income of $262,343 or $.10 per share reported for the prior year period. Earnings for the nine month period ended September 30, 2004 were $1,191,240 or $.45 per share, a 94% increase over $614,377 or $.24 per share for the same period last year. Chairman of the Board, Albert Finch, said, &#147;We are pleased to report a significant increase in earnings over last year. We expect our growth strategy to continue to positively affect our operating results and efficiency ratios.&#148;</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Arial; font-size:10.5pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt" align=justify>Company assets increased to $156.9 million at September 30, 2004, compared to $125.1 million at September 30, 2003, a 25.4% increase. The Company&#146;s net loan portfolio increased 13%, to a total of $121.0 million at September 30, 2004 compared to $107.4 million at September 30, 2003. Mortgage-backed securities increased $11.6 million to a total of $19.3 million at September 30, 2004. </P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Arial; font-size:10.5pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt" align=justify>The Company issued $5.0 million in trust preferred securities on September 30, 2004, which counts as tier 1 regulatory capital for the Company. Mr. Finch noted, &#147;With our capital base now exceeding $21&nbsp;million, we are positioned for the continued growth and future expansion of our Bank.&#148; </P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Arial; font-size:10.5pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt" align=justify>With the additional capital, the Bank&#146;s regulatory secured lending limit to an individual borrower has increased to approximately $5.0 million. Richard L. Browdy, President, said &#147;The increase in the Bank&#146;s lending limit will allow us to enter an additional market tier. We expect our lending to grow as a result and we will continue to maintain our strong underwriting standards.&#148; </P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Arial; font-size:10.5pt" align=justify><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; line-height:12.5pt; font-family:Arial; font-size:10.5pt" align=justify>Through its executive offices and three bank branches in Broward County, Florida, the Company offers real estate lending and retail banking products to individuals and businesses in Broward, Dade and Palm Beach Counties. The Bank also offers state-of-the-art internet banking services through its &#147;OptiNet&#148; internet banking website, located at www.optimumbank.com. </P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Times New Roman; font-size:12pt"><BR></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; line-height:10pt; font-family:Verdana; font-size:8pt" align=justify>This press release may contain certain forward-looking statements, which are based on management's expectations regarding factors that may impact the Company's earnings and performance in future periods. Factors that could cause future results and performance to vary materially from current management expectations include, but are not limited to, general economic conditions, war and terrorism, changes in interest rates, deposit flows, loan demand, real estate values and competition; the issuance or redemption of additional company equity or debt; changes in accounting principles, policies or guidelines, changes in legislation or regulation; and other economic, competitive, governmental, regulatory and technological facts affecting the Company's operations, pricing, products and services. Nothing contained herein constitutes an offer to sell or th
e solicitation of an offer to buy the Company's securities.</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;&#151;</P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:10pt; font-family:Bodoni BT; font-size:8pt" align=center><B><I>2477 East Commercial Boulevard, Fort Lauderdale, Florida &nbsp;33308 </I></B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:10pt; font-family:Bodoni BT; font-size:8pt" align=center><B><I>E-Mail: rlbrowdy@optimumbank.com</I></B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; width:486pt; line-height:10pt; font-family:Bodoni BT; font-size:8pt" align=center><B><I>Phone: (954) 776-2332 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Toll-Free (888) 991-BANK &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fax: (954) 776-2281</I></B></P>
<P style="margin-top:0pt; margin-right:126pt; margin-bottom:0pt; padding-left:-9pt; width:495pt; font-family:Times New Roman; font-size:8pt" align=center><BR></P>
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`
end

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
