Lake Shore Bancorp conversion to stock holding company advances; S-1 effective May 14, 2025

Lake Shore Bancorp, Inc. /MD/

Registrant will become stock holding company for Lake Shore Bank via second-step conversion from mutual structure.
S-1 registration declared effective by SEC on May 14, 2025; shares to be offered to depositors and public.
Shares also issued in exchange for outstanding Lake Shore Federal Bancorp shares held by non-MHC holders.
Quarterly report for quarter ended March 31, 2025, of Lake Shore Federal Bancorp incorporated by reference.

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