ENTERBANK HOLDINGS INC
8-K, 1999-10-07
STATE COMMERCIAL BANKS
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<PAGE>   1
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                           CURRENT REPORT PURSUANT TO
                           SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

                                 OCTOBER 7, 1999
                                 ---------------
                Date of report (Date of earliest event reported)

                            ENTERBANK HOLDINGS, INC.
                            ------------------------
             (Exact Name of Registrant as Specified in its Charter)

                                    DELAWARE
                                    --------
                 (State or Other Jurisdiction of Incorporation)

           000-24131                                  43-1706259
           ---------                                  ----------
   (Commission File Number)                (IRS Employer Identification No.)

     150 N. MERAMEC, ST. LOUIS, MISSOURI                   63105
     -----------------------------------                   -----
   (Address of Principal Executive Offices)              (Zip Code)

                                 (314) 725-5500
                                 --------------
              (Registrant's Telephone Number, Including Area Code)

                                       N/A
                                       ---
          (Former Name or Former Address, if Changed Since Last Report)




<PAGE>   2


                            ENTERBANK HOLDINGS, INC.


                                    FORM 8-K

ITEM 5: OTHER EVENTS.

         On October 7, 1999, the Registrant issued a press release announcing
its preliminary operating results for the quarter ended September 30, 1999.

         The full text of the press release is attached hereto as Exhibit 99 and
is incorporated herein by reference in its entirety.


ITEM 7:  FINANCIAL STATEMENTS AND EXHIBITS.

         (c)      Exhibits.

                  99.      Registrant's Press Release issued October 7, 1999.



                                   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 hereunto duly authorized.


                                      ENTERBANK HOLDINGS, INC.


Date: October 7, 1999                 By:         /s/ FRED H. ELLER
                                         -------------------------------------
                                      Fred H. Eller, Chief Executive Officer





<PAGE>   1


                                  PRESS RELEASE


ST. LOUIS, MISSOURI, OCTOBER 7, 1999. Enterbank Holdings, Inc., the parent
company of Enterprise Bank, today reported net income of $1,035,000 for the
quarter ended September 30, 1999. This represents a 33% increase from net income
of $777,000 for the third quarter of 1998. Net income for the first nine months
of 1999 was $2,707,000, a 29% increase over net income for the first nine months
of 1998.

Total assets at September 30, 1999 were approximately $433 million, an increase
of $58 million over total assets of $375 million at year-end 1998 and a $75
million increase over total assets of $358 million at September 30, 1998. Total
loans and leases were approximately $378 million, an increase of $104 million
over total loans and leases of $274 million at year-end 1998 and an $116 million
increase over total loans and leases of $262 million at September 30, 1998.


                                      # # #

For additional information or questions please contact:

Fred H. Eller                                        James C. Wagner
President, Chief Executive Officer                   Chief Financial Officer
Enterbank Holdings, Inc.                             Enterbank Holdings, Inc.
150 North Meramec                                    150 North Meramec
Clayton, MO 63105                                    Clayton, MO 63105
phone:   (314) 725-5500                              phone:   (314) 725-5500
fax:     (314) 727-3239                              fax:     (314) 727-3239




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