Exhibit 1 JOINT FILING AGREEMENT Each of the undersigned agrees that the Statement, including amendments, on Schedule 13D relating to shares of Common Stock of Ohio State Financial Services, Inc. to which this Agreement is attached is being filed on...

                                                       Exhibit 1

                     JOINT FILING AGREEMENT

          Each of the undersigned agrees that the Statement,
including amendments, on Schedule 13D relating to shares of
Common Stock of Ohio State Financial Services, Inc. to which this
Agreement is attached is being filed on behalf of each of the
undersigned.

                    8/14/98        Xxxxxx X. Xxxxx           
                     Date           (Signature)

                    8/14/98        Xxxxx X. Xxxxx           
                     Date           (Signature)
































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