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<annotation><appinfo>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
<link:definition>001 - Document - DOCUMENT AND ENTITY INFORMATION</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/StatementOfFinancialPositionUnclassified-DepositBasedOperations" id="StatementOfFinancialPositionUnclassified-DepositBasedOperations">
<link:definition>002 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/CondensedConsolidatedStatementsOfFinancialConditionParenthetical" id="CondensedConsolidatedStatementsOfFinancialConditionParenthetical">
<link:definition>003 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION [Parenthetical]</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
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</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/StatementOfIncomeInterestBasedRevenue" id="StatementOfIncomeInterestBasedRevenue">
<link:definition>004 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF INCOME</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/StatementOfCashFlowsIndirectDepositBasedOperations" id="StatementOfCashFlowsIndirectDepositBasedOperations">
<link:definition>005 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/SummaryOfSignificantAccountingPolicies" id="SummaryOfSignificantAccountingPolicies">
<link:definition>006 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/AcquisitionOfCbhcFinancialcorpInc" id="AcquisitionOfCbhcFinancialcorpInc">
<link:definition>007 - Disclosure - ACQUISITION OF CBHC FINANCIALCORP, INC.</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/InvestmentSecurities" id="InvestmentSecurities">
<link:definition>008 - Disclosure - INVESTMENT SECURITIES</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/LoansReceivableNet" id="LoansReceivableNet">
<link:definition>009 - Disclosure - LOANS RECEIVABLE   NET</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/Deposits" id="Deposits">
<link:definition>010 - Disclosure - DEPOSITS</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/EarningsPerShare" id="EarningsPerShare">
<link:definition>011 - Disclosure - EARNINGS PER SHARE</link:definition>
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<link:usedOn>link:calculationLink</link:usedOn>
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<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/StockBasedCompensation" id="StockBasedCompensation">
<link:definition>012 - Disclosure - STOCK BASED COMPENSATION</link:definition>
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<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/IncomeTaxes" id="IncomeTaxes">
<link:definition>013 - Disclosure - INCOME TAXES</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/DeclarationOfDividend" id="DeclarationOfDividend">
<link:definition>014 - Disclosure - DECLARATION OF DIVIDEND</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/FairValueMeasurement" id="FairValueMeasurement">
<link:definition>015 - Disclosure - FAIR VALUE MEASUREMENT</link:definition>
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</link:roleType>
<link:roleType roleURI="http://www.oceanshoreholdingco.com/role/RealEstateOwned" id="RealEstateOwned">
<link:definition>016 - Disclosure - REAL ESTATE OWNED</link:definition>
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