WSB HOLDING CO
SC 13G, 1999-12-20
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                 ---------------

                                  SCHEDULE 13G

        INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES
          13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT
                                TO RULE 13d-2(b)
                              (Amendment No. ____)*

                               WSB Holding Company
        -------------------------------------------------------------
                                (Name of Issuer)


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


                                   929324 10 1
         -------------------------------------------------------------
                                 (CUSIP Number)


                                 March 16, 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)

[x] Rule 13d-1(c)

[ ] Rule 13d-1(d)

- ---------------------
* The  remainder of the 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).

                         (Continued on following pages)

                                Page 1 of 5 pages

<PAGE>




CUSIP No. 929324 10 1                                          Page 2 of 5 Pages
          -----------
                                  Schedule 13G
                                  ------------

1.       Name of Reporting Person
         S.S. or I.R.S. Identification Number of above person (entities only):

                               Robert D. Neudorfer
                               -------------------

2.       Check the appropriate box if a member of a group*

                  N/A                                          (a) [ ]

                                                               (b) [ ]
3.       SEC Use Only

4.       Citizenship or Place of Organization: United States Citizen
                                               ---------------------
Number of Shares Beneficially Owned by Each Reporting Person with:

5.       Sole Voting Power:                                    14,703
                                                             --------
6.       Shared Voting Power:                                     829
                                                             --------
7.       Sole Dispositive Power:                               14,703
                                                             --------
8.       Shared Dispositive Power:                                829
                                                             --------

9.       Aggregate Amount Beneficially Owned by Each Reporting Person:  15,532
                                                                        ------
10.      Check Box If The Aggregate Amount in Row(9)Excludes Certain Shares*[ ]

11.      Percent of Class Represented by Amount in Row 9: 5.1%
                                                          ---
12.      Type of Reporting Person*: IN
                                    --


                                * SEE INSTRUCTION


<PAGE>

CUSIP No. 929324 10 1                                          Page 3 of 5 Pages
- ---------------------

Item 1(a)         Name of Issuer: WSB Holding Company
                  --------------  -------------------
Item 1(b)         Address of Issuer's Principal Executive Offices:
                  -----------------------------------------------
                                    807 Middle Street
                                    Pittsburgh, Pennsylvania 15212
                                    ------------------------------
Item 2(a)         Name of Person Filing: Robert D. Neudorfer
                  ---------------------  -------------------
Item 2(b)         Address of Person Filing:
                  ------------------------
                                    807 Middle Street
                                    Pittsburgh, Pennsylvania 15212
                                    ------------------------------
Item 2(c)         Citizenship: United States
                  -----------  -------------
Item 2(d)         Title of Class of Securities:  Common Stock
                  ----------------------------   ------------
Item 2(e)         CUSIP Number:     929324 10 1
                  ------------      -----------

Item 3            Check whether the person filing is a:
                  ------------------------------------
Item 3(a)-(j) -   Not Applicable

                  If this statement is filed  pursuant to Rule  13d-1(c),  check
                  this box : [X]

Item 4(a)         Amount Beneficially Owned: 15,532
                  -------------------------  ------
Item 4(b)         Percent of Class: 5.3%
                  ----------------  ---
Item 4(c) Number of shares as to which such person has:
                  (i)       sole power to vote or to direct the vote    14,703*
                                                                       ---------
                  (ii)      shared power to vote or to direct the vote     829**
                                                                       ---------
                  (iii)     sole power to dispose or to direct the
                            disposition of                              14,703*
                                                                       ---------
                  (iv)      shared power to dispose or to direct the
                            disposition of                                 829**
                                                                       ---------

          * The number of shares  includes  1,653 shares that Mr.  Neudorfer may
acquire  through the  exercise of stock  options  within 60 days,  for which Mr.
Neudorfer does not presently have the power to vote.

         ** The number of shares  includes 829 shares held in the employee stock
ownership  plan of the  Issuer's  subsidiary  which have been  allocated  to Mr.
Neudorfer's account.


<PAGE>
CUSIP No. 929324 10 1                                          Page 4 of 5 Pages
- ---------------------

Item 5            Ownership of Five Percent or Less of Class:
                  ------------------------------------------
                                 Not Applicable

Item 6            Ownership of More than Five Percent on Behalf of Another
                  Person:
                  -------------------------------------------------------------
                                 Not Applicable

Item 7            Identification  and  Classification  of the Subsidiary Which
                  Acquired the Security Being Reported on by the Parent
                  Holding Company.
                  -------------------------------------------------------------

                                 Not Applicable

Item 8            Identification and Classification of Members of the Group.
                  ---------------------------------------------------------
                                 Not Applicable

Item 9            Notice of Dissolution of Group.
                  ------------------------------
                                 Not Applicable

Item 10           Certification.
                  -------------
                  By signing  below I certify  that, to the best of my knowledge
                  and belief, the securities referred to above were not acquired
                  and are not held for the  purpose  of or with  the  effect  of
                  changing  or  influencing  the  control  of the  issuer of the
                  securities   and  were  not  acquired  and  are  not  held  in
                  connection with or as a participant in any transaction  having
                  that purpose or effect.



<PAGE>
CUSIP NO. 929324 10 1                                          Page 5 of 5 Pages
- ---------------------

         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.



Date: December 20, 1999             /s/Robert D. Neudorfer
                                    ----------------------
                                    Robert D. Neudorfer




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