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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 12b-25
NOTIFICATION OF LATE FILING
of
FORM 10-K
For Period Ended: December 31, 1997
R&G Financial Corporation
(Name of Registrant)
280 Jesus T. Pinero Avenue
Hato Rey, San Juan, Puerto Rico 00918
(Address of Principal Executive Office)
0-21137
(Commission File Number)
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Nothing in this form shall be construed to imply
that the Commission has verified any information
contained herein.
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Part II - Rules 12b-25(b) and (c)
If the subject report could not be filed without unreasonable effort or
expense and the registrant seeks relief pursuant to Rule 12b-25(b), the
following should be completed: (Check appropriate box.)
[X] (a) The reasons described in reasonable detail in Part
III of this form could not be eliminated without
unreasonable effort or expense;
[X] (b) The subject annual report on Form 10-K or portion
thereof will be filed on or before the fifteenth
(15th) calendar day following the prescribed due
date; and
(c) The accountant's statement or other exhibit required
by Rule 12b-25(c) has been attached if applicable.
Part III - Narrative
State below in reasonable detail the reasons why Form 10-K could not be
filed within the prescribed period.
Delay in finalizing and converting exhibits to EDGAR for filing.
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Part IV - Other Information
(1) Name and telephone number of person to contact in regard to this
notification.
Joseph Sandoval (787) 758-2424
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(2) Have all other periodic reports required under Section 13 or 15(d)
of the Securities Exchange Act of 1934 or Section 30 of the
Investment Company Act of 1940 during the preceding 12 months or
for such shorter period that the registrant was required to file
such report(s) been filed? If the answer is no, identify such
reports.
Yes [X] No [ ]
(3) Is it anticipated that any significant change in results of
operations from the corresponding period for the last fiscal year
will be reflected by the earnings statements to be included in the
subject report or portion thereof?
If so, attach an explanation of the anticipated change, both
narratively and quantitatively, and, if appropriate, state the
reasons why a reasonable estimate of the results cannot be made.
Yes [ ] No [X]
R&G Financial Corporation
Has caused this notification to be signed on its behalf by the undersigned
thereunto duly authorized.
Date: March 31, 1998 By: /s/ Joseph Sandoval
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Name: Joseph Sandoval
Title: Chief Financial Officer
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