UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No __)*
Market Financial Corporation
(Name of Issuer)
Common shares, without par value
(Title of Class of Securities)
57056A 10 0
(CUSIP Number)
December 31, 1999
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
[ ] Rule 13d-1(b)
[ ] Rule 13d-1(c)
[X] Rule 13d-1(d)
* 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 ("Act") 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>
- ----------------------------------------
CUSIP No. 57056A 10 0 13G
-------------------
- ----------------------------------------
- --------------------------------------------------------------------------------
1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
L. Craig Martin
- --------------------------------------------------------------------------------
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
- --------------------------------------------------------------------------------
5 SOLE VOTING POWER
44,973
NUMBER OF -----------------------------------------------------
SHARES 6 SHARED VOTING POWER
BENEFICIALLY
OWNED 22,800
BY EACH
REPORTING PERSON -----------------------------------------------------
WITH 7 SOLE DISPOSITIVE POWER
44,973
-----------------------------------------------------
8 SHARED DISPOSITIVE POWER
22,800
- --------------------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
67,773
- --------------------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
- --------------------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
5.4%
- --------------------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
IN
- --------------------------------------------------------------------------------
<PAGE>
Item 1(a). Name of Issuer:
Market Financial Corporation
Item 1(b). Address of Issuer's Principal Executive Offices:
7522 Hamilton Avenue
Mt. Healthy, Ohio 45231
Item 2(a). Name of Persons Filing:
L. Craig Martin
Item 2(b). Address of Principal Business Office or, if none, Residence:
6709 Madison Road
Cincinnati, Ohio 45227
Item 2(c). Citizenship:
United States of America
Item 2(d). Title and Class of Securities:
Common shares, without par value
Item 2(e). CUSIP Number:
57056A 10 0
Item 3. If this statement is filed pursuant to Rules 13d-1(b),
or 13d-2(b) or (c), check whether the person is filing
a:
(a) [ ] Broker or Dealer registered under Section 15
of the Act (15 U.S.C. 78o).
(b) [ ] Bank as defined in section 3(a)(6) of the
Act (15 U.S.C. 78c).
(c) [ ] Insurance Company as defined in section 3(a)
(19) of the Act (15 U.S.C. 78c).
(d) [ ] Investment Company registered under section
8 of the Investment Company Act of 1940
(15 U.S.C. 80a-8).
(e) [ ] An investment adviser in accordance with
Section 240.13d-1(b)(1)(ii)(E).
(f) [ ] An employee benefit plan or endowment fund
in accordance with Section
240.13d-1(b)(1)(ii)(F).
(g) [ ] A parent holding company or control person
in accordance with Section
240.13d-1(b)(1)(ii)(G).
(h) [ ] A savings association as defined in Section
13(b) of the Federal Deposit Insurance Act
(12 U.S.C. 1813).
(i) [ ] A church plan that is excluded from the
definition of an investment company under
Section 3(c)(14) of the Investment Company
Act of 1940 (15 U.S.C. 80a-3).
(j) [ ] A group, in accordance with Section
240.13d-1(b)(1)(ii)(J).
<PAGE>
Item 4. Ownership:
(a) Amount Beneficially Owned:
67,773
(b) Percent of Class:
5.4%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct the vote:
44,973
(ii) shared power to vote or to direct the vote:
22,800
(iii) sole power to dispose or to direct the
disposition of:
44,973
(iv) shared power to dispose or to direct the
disposition of:
22,800
Item 5. Ownership of Five Percent or Less of a Class:
Inapplicable
Item 6. Ownership of More Than Five Percent on Behalf of Another
Person:
Inapplicable
Item 7. Identification and Classification of the Subsidiary Which
Acquired the Security Being Reported on by the Parent Holding
Company:
Inapplicable
Item 8. Identification and Classification of Members of the Group:
Inapplicable
Item 9. Notice of Dissolution of Group:
Inapplicable
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 purposes or
effect.
<PAGE>
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.
February 9, 2000 By /s/ L. Craig Martin
Date L. Craig Martin
