PRESTIGE BANCORP INC
SC 13G, 2000-03-07
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<PAGE>   1


                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                              --------------------

                                  SCHEDULE 13G

             INFORMATION STATEMENT PURSUANT TO RULES 13d-1 AND 13d-2
                    UNDER THE SECURITIES EXCHANGE ACT OF 1934
                          AMENDMENT NO. __________)(1)



                             PRESTIGE BANCORP, INC.
        ----------------------------------------------------------------
                                (Name of Issuer)


                                  Common Stock
        ----------------------------------------------------------------
                         (Title of Class of Securities)


                                    741115109
        ---------------------------------------------------------------
                                 (CUSIP Number)

                              --------------------

         CHECK THE FOLLOWING BOX IF A FEE IS BEING PAID WITH THIS STATEMENT |_|.
(A fee is not required only if the filing person: (1) has a previous statement
on file reporting beneficial ownership of more than five percent of the class of
securities described in Item 1; and (2) has filed no amendment subsequent
thereto reporting beneficial ownership of five percent or less of such class.)
(See Rule 13d-7.)


- ------------------

     (1) The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of
securities, and for any subsequent amendment containing information which would
alter the disclosures provided in a prior cover page.

     The information required in the remainder of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities Exchange
Act of 1934 or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).

<PAGE>   2

                                                                   SCHEDULE 13G

- ----------------------                                   ----------------------
CUSIP NO. 741115109                  13G                     PAGE 1 OF 4 PAGES
          ---------
- ----------------------                                   ----------------------


- -------------------------------------------------------------------------------
     1      NAME OF REPORTING PERSONS
                     John A. Stiver
            S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
                     ###-##-####
- -------------------------------------------------------------------------------
     2      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*      (a)     [  ]
                                                                   (b)     [  ]
- -------------------------------------------------------------------------------
     3      SEC USE ONLY
- -------------------------------------------------------------------------------
     4      CITIZENSHIP OR PLACE OF ORGANIZATION       United States of America

- -------------------------------------------------------------------------------
     NUMBER OF SHARES           5     SOLE VOTING POWER
  BENEFICIALLY OWNED BY               53,263
EACH REPORTING PERSON WITH
                            ---------------------------------------------------
                                6     SHARED VOTING POWER
                                               9,643
                            ---------------------------------------------------
                                7     SOLE DISPOSITIVE POWER
                                               53,263
                            ---------------------------------------------------
                                8     SHARED DISPOSITIVE POWER
                                               9,643
- -------------------------------------------------------------------------------
     9      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
                     62,906
- -------------------------------------------------------------------------------
    10      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9)
            EXCLUDES CERTAIN SHARES*           [  ]

- -------------------------------------------------------------------------------
    11      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
                     6.41%
- -------------------------------------------------------------------------------
    12      TYPE OF REPORTING PERSON*
                     Individual
- -------------------------------------------------------------------------------

*SEE INSTRUCTIONS BEFORE FILLING OUT!


<PAGE>   3

                                                                   SCHEDULE 13G

- ----------------------                                   ----------------------
CUSIP NO. 741115109                  13G                     PAGE 2 OF 4 PAGES
          ---------
- ----------------------                                   ----------------------


ITEM 1(A)         NAME OF ISSUER:

                           Prestige Bancorp, Inc.

ITEM 1(B)         ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:

                           710 Old Clairton Road, Pleasant Hills, PA  15236

ITEM 2(A)         NAME OF PERSON FILING:

                           John A. Stiver

ITEM 2(B)         ADDRESS OF PRINCIPAL BUSINESS OFFICE OR, IF NONE, RESIDENCE:

                           710 Old Clairton Road, Pleasant Hills, PA  15236

ITEM 2(C)         CITIZENSHIP:

                           United States of America

ITEM 2(D)         TITLE OF CLASS OF SECURITIES:

                           Common Stock

ITEM 2(E)         CUSIP NUMBER:

                           741115109

ITEM 3. IF THIS STATEMENT IS FILE PURSUANT TO RULES 13D-1(B), OR 13D-2(B), CHECK
        WHETHER THE PERSON FILING IS A:

        (a)  [  ]  Broker or dealer registered under Section 15 of the Act,

        (b)  [  ]  Bank as defined in Section 3(a)(6) of the Act,

        (c)  [  ]  Insurance Company as defined in Section 3(a)(19) of the Act,

        (d)  [  ]  Investment Company registered under Section 8 of the
                   Investment Company Act,
<PAGE>   4
                                                                   SCHEDULE 13G

- ----------------------                                   ----------------------
CUSIP NO. 741115109                  13G                     PAGE 3 OF 4 PAGES
          ---------
- ----------------------                                   ----------------------


        (e)  [  ]  Investment Adviser registered under Section 203 of the
                   Investment Advisers Act of 1940,

        (f)  [  ]  Employee Benefit Plan, Pension Fund which is subject to the
                   provisions of the Employee Retirement Income Security Act of
                   1974 or Endowment Fund:  see 13d-1(b)(1)(ii)(F),

        (g)  [  ]  Parent Holding Company, in accordance with Rule
                   13d-1(b)(ii)(G); see Item 7,

        (h)  [  ]  Group, in accordance with Rule 13d-1(b)(1)(ii)(H).


ITEM 4.  OWNERSHIP.

        (a)  Amount beneficially owned:

                      62,906

        (b)  Percent of class:

                      6.41%

        (c)  Number of shares as to which such person has:

             (i)      Sole power to vote or to direct the vote          53,263,


             (ii)     Shared power to vote or to direct the vote         9,643,


             (iii)    Sole power to dispose or to direct the disposition of
                                                                        53,263,


             (iv)     Shared power to dispose or to direct the disposition of
                                                                         9,643,



ITEM 5.  OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS:

                           N/A

ITEM 6.  OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON:

                           N/A



<PAGE>   5

                                                                   SCHEDULE 13G

- ----------------------                                   ----------------------
CUSIP NO. 741115109                  13G                     PAGE 4 OF 4 PAGES
          ---------
- ----------------------                                   ----------------------


ITEM 7.  IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE
         SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY:

                           N/A

ITEM 8.  IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP:

                           N/A

ITEM 9.  NOTICE OF DISSOLUTION OF GROUP:
                           N/A

ITEM 10. CERTIFICATION.

                  By signing below I certify that, to the best of my knowledge
                  and belief, the securities referred to above were acquired in
                  the ordinary course of business and were not acquired for the
                  purpose of and do not have the effect of changing or
                  influencing the control of the issuer of such securities and
                  were not acquired in connection with or as a participant in
                  any transaction having such purpose or effect.


                                    SIGNATURE

                  After reasonable inquiry and to the best of my knowledge and
belief, I certify that the information set forth in this statement is true,
complete and correct.



                                                      March 7, 2000
                                            -----------------------------------
                                                          (DATE)


                                                    /s/  JOHN A. STIVER
                                            -----------------------------------
                                                         (SIGNATURE)


                                                       John A. Stiver
                                            -----------------------------------
                                                         (NAME/TITLE)






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