KILLBUCK BANCSHARES INC
SC 13G, 1998-08-27
NATIONAL COMMERCIAL BANKS
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<PAGE>   1
                                UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                 SCHEDULE 13G


                   UNDER THE SECURITIES EXCHANGE ACT OF 1934

                             (AMENDMENT NO.   )*




                          Killbuck Bancshares, Inc.
                   -----------------------------------------                   
                               (Name of Issuer)

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

                                494113 1 0 3
                   -----------------------------------------
                               (CUSIP Number)





         Check the following box if a fee is being paid with this statement [ ].
         (A fee is not required only if the filing person: (1) has a previous 
         statement on file reporting beneficial ownership of more than five 
         percent of the class of securities described in Item 1; and (2) has
         filed no amendment subsequent thereto reporting beneficial ownership 
         of five percent or less of such class.)  (See Rule 13d-7.)

         *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 1 of 6 pages
<PAGE>   2


CUSIP NO.                           13G                   PAGE     OF    PAGES


1    NAME OF REPORTING PERSON
     S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON     ###-##-####
  
      Thomas D. Gindlesberger
      P.O. Box 129
      Millersburg, OH  44654

2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* 
                                                       
                                                         (a) [ ]
      N/A                                                (b) [ ]
  
  
3    SEC USE ONLY
  
  
4    CITIZENSHIP OR PLACE OF ORGANIZATION
  
      Ohio
  
                    5    SOLE VOTING POWER
                        
                          35,000 shares    
                        
                        
   NUMBER OF        6    SHARED VOTING POWER
    SHARES              
 BENEFICIALLY                
   OWNED BY             
     EACH               
   REPORTING        7    SOLE DISPOSITIVE POWER
    PERSON              
     WITH                    

                        
                    8    SHARED DISPOSITIVE POWER
                        
                        
  
9    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
  
      35,000      

  
10   CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
  
  
11   PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
  
      5.29%      
  
  
12   TYPE OF REPORTING PERSON*
  
      IN


                      *SEE INSTRUCTION BEFORE FILLING OUT!


<PAGE>   3

                        INSTRUCTIONS FOR SCHEDULE 13G


INSTRUCTIONS FOR COVER PAGE

(1)  Names and Social Security Numbers of Reporting Persons - Furnish the full
     legal name of each person for whom the report is filed - i.e., each person
     required to sign the schedule itself - including each member of a group.
     Do not include the name of a person required to be identified in the 
     report but who is not a reporting person.  Reporting persons are also
     requested to furnish their Social Security or I.R.S. identification
     numbers, although disclosure of such numbers is voluntary, not mandatory
     (see "SPECIAL INSTRUCTIONS FOR COMPLYING WITH SCHEDULE 13G," below).

(2)  If any of the shares beneficially owned by a reporting person are held as
     a member of a group and such membership is expressly affirmed, please
     check row 2(a).  If the membership in a group is disclaimed or the 
     reporting person describes a relationship with other persons but does not
     affirm the existence of a group, please check row 2(b) [unless a joint
     filing pursuant to Rule 13d-1(e)(1) in which case it may not be necessary
     to check row 2(b)].

(3)  The third row is for SEC internal use; please leave blank.

(4)  Citizenship or Place of Organization - Furnish citizenship if the named
     reporting person is a natural person.  Otherwise, furnish place of
     organization.

(5)-(9), (11) Aggregate Amount Beneficially Owned By Each Reporting Person, 
     Etc. - Rows (5) through (9) inclusive, and (11) are to be completed in 
     accordance with the provisions of Item 4 of Schedule 13G.  All percentages
     are to be rounded off to the nearest tenth (one place after decimal point).

(10) Check if the aggregate amount reported as beneficially owned in row (9)
     does not include shares as to which beneficial ownership is disclaimed
     pursuant to Rule 13d-4 [17 CFR 240.13d-4] under the Securities Exchange
     Act of 1934.

(12) Type of Reporting Person - Please classify each "reporting person"
     according to the following breakdown (see Item 3 of Schedule 13G) and 
     place the appropriate symbol on the form:

           Category                                  Symbol
        Broker Dealer                                   BD
        Bank                                            BK
        Insurance Company                               IC
        Investment Company                              IV
        Investment Adviser                              IA
        Employee Benefit Plan, Pension Fund, 
           or Endowment Fund                            EP
        Parent Holding Company                          HC
        Corporation                                     CO
        Partnership                                     PN
        Individual                                      IN
        Other                                           OO

Notes:
  Attach as many copies of the second part of the cover page as are needed, one
reporting person per page.
  Filing persons may, in order to avoid unnecessary duplication, answer items
on the schedules (Schedule 13D, 13G or 14D-1) by appropriate cross references
to an item or items on the cover page(s). This approach may only be used where
the cover page item or items provide all the disclosure required by the
schedule item.  Moreover, such a use of a cover page item will result in the
item becoming a part of the schedule and accordingly being considered as
"filed" for purposes of Section 18 of the Securities Exchange Act or otherwise
subject to the liabilities of that section of the Act.
  Reporting persons may comply with their cover page filing requirements by
filing either completed copies of the blank forms available from the Commission,
printed or typed facsimiles, or computer printed facsimiles, provided the
documents filed have identical formats to the forms prescribed in the
Commission's regulations and meet existing Securities Exchange Act rules as to
such matters as clarity and size (Securities Exchange Act Rule 12b-12).

            SPECIAL INSTRUCTIONS FOR COMPLYING WITH SCHEDULE 13G

  Under Sections 13(d), 13(g), and 23 of the Securities Exchange Act of 1934
and the rules and regulations thereunder, the Commission is authorized to 
solicit the information required to be supplied by this schedule by certain
security holders of certain issuers.
  Disclosure of the information specified in this schedule is mandatory, except
for Social Security or I.R.S. identification numbers, disclosure of which is
voluntary.  The information will be used for the primary purpose of determining
and disclosing the holdings of certain beneficial owners of certain equity
securities.  This statement will be made a matter of public record.  Therefore,
any information given will be available for inspection by any member of the
public.


                              Page 3 of 6 pages

<PAGE>   4

  Because of the public nature of the information, the Commission can utilize
it for a variety of purposes, including referral to other governmental
authorities or securities self-regulatory organizations for investigatory
purposes or in connection with litigation involving the Federal securities laws
or other civil, criminal or regulatory statutes or provisions.  Social Security
or I.R.S. identification numbers, if furnished, will assist the Commission in
identifying security holders and, therefore, in promptly processing statements
of beneficial ownership of securities.
  Failure to disclose the information requested by this schedule, except for
Social Security or I.R.S. identification numbers, may result in civil or
criminal action against the persons involved for violation of the Federal
securities laws and rules promulgated thereunder.

                            GENERAL INSTRUCTIONS
A.  Statements containing the information required by this schedule shall be
    filed not later than February 14 following the calendar year covered by the
    statement or within the time specified in Rule 13d-1(b)(2), if applicable.

B.  Information contained in a form which is required to be filed by rules
    under section 13(f) (15 U.S.C. 78m(f)) for the same calendar year as that 
    covered by a statement on this schedule may be incorporated by reference
    in response to any of the items of this schedule.  If such information is
    incorporated by reference in this schedule, copies of the relevant pages of
    such form shall be filed as an exhibit to this schedule.

C.  The item numbers and captions of the items shall be included but the text
    of the items is to be omitted.  The answers to the items shall be so 
    prepared as to indicate clearly the coverage of the items without referring
    to the text of the items.  Answer every item. If an item is inapplicable
    or the answer is in the negative, so state.

ITEM 1.    
           (a)     Name of Issuer 
                 
           (b)     Address of Issuer's Principal Executive Offices 
                 
ITEM 2.    
           (a)     Name of Person Filing 
                 
           (b)     Address of Principal Business Office or, if none, Residence
                 
           (c)     Citizenship 
                 
           (d)     Title of Class of Securities 
                 
           (e)     CUSIP Number 
                 
ITEM 3. IF THIS STATEMENT IS FILED PURSUANT TO RULE 13d-1(b), OR 13d-2(b), 
CHECK WHETHER THE PERSON FILING IS A:
           (a)     [ ] Broker or Dealer registered under Section 15 of the Act

           (b)     [ ] Bank as defined in section 3(a)(6) of the Act

           (c)     [ ] Insurance Company as defined in section 3(a)(19) of
                   the act

           (d)     [ ] Investment Company registered under section 8 of the
                   Investment Company Act

           (e)     [ ] Investment Adviser registered under section 203 of the
                   Investment Advisers Act of 1940

           (f)     [ ] Employee Benefit Plan, Pension Fund which is subject to
                   the provisions of the Employee Retirement Income Security
                   Act of 1974 or Endowment Fund; see 
                   Section 240.13d-1(b)(1)(ii)(F)

           (g)     [ ] Parent Holding Company, in accordance with Section 
                   240.13d-1(b)(ii)(G) (Note: See Item 7)

           (h)     [ ] Group, in accordance with Section 240.13d-1(b)(1)(ii)(H)
      
ITEM 4. OWNERSHIP 
                 
  If the percent of the class owned, as of December 31 of the year covered by
the statement, or as of the last day of any month described in Rule 13d-1(b)(2),
if applicable, exceeds five percent, provide the following information as of 
that date and identify those shares which there is a right to acquire.

           (a)     Amount Beneficially Owned
                 
           (b)     Percent of Class 
                 


                              Page 4 of 6 pages

<PAGE>   5
                 
           (c)     Number of shares as to which such person has:
                 
                   (i)      sole power to vote or to direct the vote       

                   (ii)     shared power to vote or to direct the vote     

                   (iii)    sole power to dispose or to direct the         
                            disposition of                                 
                          
                   (iv)     shared power to dispose or to direct the
                            disposition of                                 

Instruction:   For computations regarding securities which represent a right to
acquire an underlying security see Rule 13d-3(d)(1).

ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS

  If this statement is being filed to report the fact that as of the date 
hereof the reporting person has ceased to be the beneficial owner of more than
five percent of the class of securities, check the following [ ].

Instruction:  Dissolution of a group requires a response to this item.
                 
ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON 
                   
  If any other person is known to have the right to receive or the power to
direct the receipt of dividends from, or the proceeds from the sale of, such
securities, a statement to that effect should be included in response to this
item and, if such interest relates to more than five percent of the class,
such person should be identified.  A listing of the shareholders of an
investment company registered under the Investment Company Act of 1940 or the
beneficiaries of employee benefit plan, pension fund or endowment fund is not
required.
                 
ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE
        SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY 
                 
  If a parent holding company has filed this schedule, pursuant to Rule
13d-1(b)(ii)(G), so indicate under Item 3(g) and attach an exhibit stating the
identity and the Item 3 classification of the relevant subsidiary.  If a parent
holding company has filed this schedule pursuant to Rule 13d-1(c), attach an
exhibit stating the identification of the relevant subsidiary.
                 
ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP
                   
  If a group has filed this schedule pursuant to Rule 13d-1(b)(ii)(H), so 
indicate under Item 3(h) and attach an exhibit stating the identity and Item 3
classification of each member of the group.  If a group has filed this schedule
pursuant to Rule 13d-1(c), attach an exhibit stating the identity of each
member of the group.

ITEM 9. NOTICE OF DISSOLUTION OF GROUP 
                 
  Notice of dissolution of a group may be furnished as an exhibit stating the
date of the dissolution and that all further filings with respect to
transactions in the security reported on will be filed, if required, by members
of the group, in their individual capacity.  See Item 5.                 
                 
ITEM 10. CERTIFICATION 

  The following certification shall be included if the statement is filed 
pursuant to Rule 13d-1(b): 
  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.
                 
                 
                                  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.
                 
                 
                 
                                                             7-6-98
                                                   ----------------------------
                                                              Date

                                                   Thomas D. Gindlesberger 
                                                   ----------------------------
                                                             Signature   

                                                   Thomas D. Gindlesberger 
                                                   ----------------------------
                                                             Name/Title



                               Page 5 of 6 pages
<PAGE>   6
  The original statement shall be signed by each person on whose behalf the
statement is filed or his authorized representative.  If the statement is
signed on behalf of a person by his authorized representative other than an
executive officer or general partner of the filing person, evidence of the
representative's authority to sign on behalf of such person shall be filed with
the statement, provided, however, that a power of attorney for this purpose
which is already on file with the Commission may be incorporated by reference.
The name and any title of each person who signs the statement shall be typed or
printed beneath his signature.

Note:  Six copies of this statement, including all exhibits, should be filed
with the Commission.

  ATTENTION:  INTENTIONAL MISSTATEMENTS OR OMISSIONS OF FACT CONSTITUTE FEDERAL
CRIMINAL VIOLATIONS (SEE 18 U.S.C. 1001)






                              Page 6 of 6 pages


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