OptimumBank Holdings, Inc. — Director's Dealing 2005

Feb 1, 2005

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: OptimumBank Holdings, Inc. (OPHC)
CIK: 0001288855
Period of Report: 2005-01-31

Reporting Person: WILLIS LARRY (Director)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2005-01-31	Common Stock	A	43	$9.15	Acquired	10088	Direct
2005-01-31	Common Stock	A	40	$10.00	Acquired	10128	Direct
2005-01-31	Common Stock	A	37	$10.75	Acquired	10165	Direct
2005-01-31	Common Stock	A	47	$13.15	Acquired	10212	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	100	Indirect
Common Stock	57407	Indirect