BRYAN COLLEGE STATION FINANCIAL HOLDING CO
NT 10-K, 2000-12-28
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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U.S. SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 12b-25

NOTIFICATION OF LATE FILING

(Check One):

[x]       Form 10-K and Form 10-KSB
[ ]       Form 20-F
[ ]       Form 11-K
[ ]       Form 10-Q and Form 10-QSB
[ ]       Form N-SAR

For Period Ended: September 30, 2000

[ ]       Transition Report on Form 10-K
[ ]       Transition Report on Form 20-F
[ ]       Transition Report on Form 11-K
[ ]       Transition Report on Form 10-Q
[ ]       Transition Report on Form N-SAR

For the Transition Period Ended:

___________________________

Read Attached Instruction Sheet Before Preparing Form. Please Print or Type. Nothing in this form shall be construed to imply that the Commission has verified any information contained herein.

________________________________

If the notification relates to a portion of the filing checked above, identify the Item(s) to which the notification relates:

________________________________

Part I--Registrant Information

________________________________

The Bryan-College Station Financial Holding Company
Full Name of Registrant

N/A
Former Name if Applicable

2900 Texas Avenue
Address of Principal Executive Office (Street and Number)

Bryan, Texas 77802
City, State and Zip Code

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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 box if appropriate)

[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, semi-annual report, transition on Form 10-K or Form 10-KSB, Form 20-F, Form 11-K or Form N-SAR, or portion thereof, will be filed on or before the fifteenth calendar day following the prescribed due date; or the subject quarterly report or transition report on Form 10-Q or Form 10-QSB, or portion thereof, will be filed on or before the fifth 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 the Form 10-K and Form 10-KSB, 20-F, 11-K, 10-Q and Form 10-QSB, N-SAR or the transition report or portion thereof, could not be filed within the prescribed time period.

Response: The compilation of the financial and other information necessary for the Registrant's Annual Report on Form 10-KSB for the year ended December 31, 2000 has been delayed due delays in the preparation of and independent accountant review of financial information necessary to complete the Form 10-K.
__________________________

Part IV--Other Information
__________________________

(1) Name and telephone number of person to contact in regard to this notification.
William Wantuck (979)
   779-2900   
 
(Name) (Area Code) (Telephone Number)  
(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 report(s).

[x] Yes [  ] 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?
[x] Yes [  ] No

      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.

      Response: The registrant anticipates reporting a loss of at least $738,000 due to increased charge-offs related to its second chance automobile loan program and settlement of its former president's retirement benefits and other matters.






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THE BRYAN-COLLEGE STATION FINANCIAL HOLDING COMPANY
(Name of Registrant as specified in charter)

has caused this notification to be signed on its behalf by the undersigned thereunto duly authorized.

Date: December 28, 2000 By: /s/ William Wantuck
William Wantuck, Chief Financial Officer

INSTRUCTION: The form may be signed by an executive officer of the registrant or by any other duly authorized representative. The name and title of the person signing the form shall be typed or printed beneath the signature. If the statement is signed on behalf of the registrant by an authorized representative (other than an executive officer), evidence of the representative's authority to sign on behalf of the registrant shall be filed with the form.





ATTENTION

Intentional misstatements or omissions of fact constitute Federal Criminal Violations (See 18 U.S.C. 1001).




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