UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13D
Under the Securities Exchange Act of 1934
(Amendment No. )*
PFSB BANCORP INC.
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(Name of Issuer)
Common Stock
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(Title of Class of Securities)
69332B109
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(CUSIP Number)
Zalmen Fishman
208 5th Street
Lakewood, N.J. 08701
(732) 886-9739
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(Name, Address and Telephone Number of Person Authorized to Receive
Notices and Communications)
February 9, 2000
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(Date of Event which Requires Filing of this Statement)
If the filing person has previously filed a statement on Schedule 13G to report
the acquisition which is the subject of this Schedule 13D, and is filing this
schedule because of Rule 13d-1(b)(3) or (4), check the following box [ ].
Check the following box if a fee is being paid with the statement [ ]. (A fee is
not required only if the reporting 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.)
NOTE: Six copies of this statement, including all exhibits, should be filed with
the Commission. See Rule 13d-1(a) for other parties to whom copies are to be
sent.
*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
disclosures provided in a prior cover page.
The information required on 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).
SEC 1746 (12-91) Page 1 of 4
<PAGE>
SCHEDULE 13D
CUSIP NO. 69332B109 PAGE 2 OF 4 PAGES
---------
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1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Zalmen Fishman ###-##-####
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [_]
(b) [_]
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3 SEC USE ONLY
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4 SOURCE OF FUNDS*
Working Capital
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5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT
TO ITEMS 2(d) or 2(e) [_]
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6 CITIZENSHIP OR PLACE OF ORGANIZATION
NJ
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7 SOLE VOTING POWER
NUMBER OF
SHARES -----------------------------------------------------------
8 SHARED VOTING POWER
BENEFICIALLY
OWNED BY
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EACH 9 SOLE DISPOSITIVE POWER
REPORTING
PERSON -----------------------------------------------------------
10 SHARED DISPOSITIVE POWER
WITH
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11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
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12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES*
[_]
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13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
5.4%
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14 TYPE OF REPORTING PERSON*
IN
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*SEE INSTRUCTIONS BEFORE FILLING OUT!
SEC 1746 (12-91) Page 2 of 4
<PAGE>
ITEM 1. SECURITY AND ISSUER
-------------------
This Schedule 13D relates to the shares of common stock, par value $.01 per
share (the "Common Stock" or the "Shares"), of Palmyra Savings - PFSB Bancorp
Inc., with its principal executive offices located at 123 W. Lafayette Street,
Palmyra, MO., 63461.
ITEM 2. IDENTITY AND BACKGROUND
-----------------------
This Schedule 13D is being filed by the following reporting person:
Zalmen Fishman
ITEM 3. SOURCE AND AMOUNT OF FUNDS OR OTHER CONSIDERATION
-------------------------------------------------
ITEM 4. PURPOSE OF TRANSACTION
----------------------
Purpose of shares, solely for investment purposes although the Reporting
Person may pursue discussions with management to maximize long-term value for
shareholders.
The Reporting Person may make additional purchases in the future.
ITEM 5. INTEREST IN SECURITIES OF THE ISSUER
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(a) Number and Percentage
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(b) Power to Vote/Dispose of Shares
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(c) Purchases in the Last 60 Days
-----------------------------
The following table details the transactions by Zalmen Fishman within
the 60 days period prior to the date of filing of this Schedule 13D.
Date of Amount Average Type of
Transaction of Shares Price Per Share Transaction
- ----------- --------- --------------- -----------
01/21/00 3,600 $11.00 Purchased over the counter
01/26/00 5,000 $11.00 Purchased over the counter
01/31/00 12,000 $11.00 Purchased over the counter
02/02/00 5,000 $11.00 Purchased over the counter
02/09/00 4,600 $11.00 Purchased over the counter
ITEM 6. CONTRACTS, ARRANGEMENTS, UNDERSTANDINGS OR RELATIONSHIPS WITH RESPECT
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TO SECURITIES OF THE ISSUER
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Except as described above, there are no contracts, arrangements,
understandings or relationships (legal or otherwise) among the persons named in
Item 2 hereof or between such persons and any other person with respect to any
securities of the Company, including but not limited to transfer or voting of
any other securities, finder's fees, joint ventures, loan or option
arrangements, puts or calls, guarantees of profits, divisions of profits or
loss, or the giving or withholding of proxies.
ITEM 7. MATERIAL TO BE FILED AS EXHIBITS
--------------------------------
No Exhibits are required to be filed.
<PAGE>
SIGNATURES
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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.
Dated: February 29, 2000
By: /s/ Zalmen Fishman
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Zalmen Fishman
