UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
450 5TH STREET, N.W.
WASHINGTON, D. C. 20549
<TABLE>
<S>
FORM 10-QSB\A-1
(Mark One)
X QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended December 31, 1996
OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the transition period from to Commission File No. 0-27154
JOACHIM BANCORP, INC.
(Exact name of registrant as specified in its charter)
Missouri 43-1721475
(State or other jurisdiction of (I.R.S. Employer Identification No.)
incorporation or organization)
De Soto Plaza, De Soto, Missouri 63020
(Address of principal executive office) (Zip Code)
Registrant's telephone number, including area code (314) 586-8821
Not applicable
(Former name, former address and former fiscal year,
if changed since last report)
Indicate by check mark whether the registrant (1) has filed all
reports required to be filed by Sections 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months (or
for such shorter period that the registrant was required to file
such reports), and (2) has been subject to such filing requirements
for the past 90 days. Yes X . No .
Indicate the number of shares outstanding of the issuer's classes
of common stock, as of the latest practicable date.
Class Outstanding January 31, 1997
Common Stock, par value $.01 per share 760,437 Shares
<PAGE>
JOACHIM BANCORP, INC. AND SUBSIDIARY
PART II - Other Information
Item 1 - Legal Proceeding
There are no material legal proceedings to which the Holding Company or the
Association is a party or of which any of their property is subject.
From time to time, the Association is a party to various legal
proceedings incident to its business.
Item 2 - Changes in Securities
None.
Item 3 - Defaults upon Senior Securities
Not applicable.
Item 4 - Submission of Matters to a Vote of Security Holders
None.
Item 5 - Other Information
None.
Item 6 - Exhibits and Reports on Form 8-K.
(a) Exhibits: Amended Financial Data Schedule.
(b) Reports on Form 8-K: No reports on Form 8-K have been filed during the
quarter for which this report is filed.
SIGNATURES
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 thereunto duly authorized.
JOACHIM BANCORP, INC.
(Registrant)
DATE: April 14, 1997 BY: Bernard R. Westhoff
Bernard R. Westhoff, President and
Duly Authorized Officer
BY: Lee Ellen Hogan
Lee Ellen Hogan, Treasurer and
Chief Financial Officer
<S>
</TABLE>
<PAGE>
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> MAR-30-1997
<PERIOD-END> DEC-31-1996
<CASH> 1,824,485
<INT-BEARING-DEPOSITS> 2,552,231
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 5,649,278
<INVESTMENTS-MARKET> 5,625,122
<LOANS> 24,026,974
<ALLOWANCE> 0
<TOTAL-ASSETS> 35,110,457
<DEPOSITS> 24,064,009
<SHORT-TERM> 0
<LIABILITIES-OTHER> 345,517
<LONG-TERM> 0
0
0
<COMMON> 7604
<OTHER-SE> 10,693,327
<TOTAL-LIABILITIES-AND-EQUITY> 35,110,457
<INTEREST-LOAN> 1,417,960
<INTEREST-INVEST> 259,449
<INTEREST-OTHER> 230,375
<INTEREST-TOTAL> 1,907,784
<INTEREST-DEPOSIT> 810,345
<INTEREST-EXPENSE> 810,345
<INTEREST-INCOME-NET> 1,097,439
<LOAN-LOSSES> 5,500
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 957,738
<INCOME-PRETAX> 187,964
<INCOME-PRE-EXTRAORDINARY> 187,964
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 126,639
<EPS-PRIMARY> .18
<EPS-DILUTED> .18
<YIELD-ACTUAL> 0
<LOANS-NON> 160,000
<LOANS-PAST> 160,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 72,000
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 75,094
<ALLOWANCE-DOMESTIC> 75,094
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 75,094
</TABLE>
