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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
Date of Report (Date of earliest event reported) July 27, 2000
PEOPLES FIRST, INC.
(Exact name of registrant as specified in its charter)
Pennsylvania ___________ 23-3028825
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Ident. No.)
24 South Third Street, Oxford, Pennsylvania 19363
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (610)932-9294
N/A
Former name or former address, if changed since last report.)
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Item 5. Other Events
On July 27, 2000, Peoples First, Inc., a Pennsylvania
business corporation, completed the reorganization of The
Peoples Bank of Oxford into the holding company form of
ownership pursuant to an agreement of reorganization and merger
approved by the Bank's shareholders on May 9, 2000. In the
holding company reorganization, The Peoples Bank of Oxford
became a wholly-owned banking subsidiary of Peoples First, Inc.,
and each outstanding share of common stock of The Peoples Bank
of Oxford on July 27, 2000 was automatically converted into one
share of common stock of Peoples First, Inc.
The common stock of The Peoples Bank of Oxford was
registered under Section 12(g) of the Securities Exchange Act of
1934. Under the applicable rules of the Securities and Exchange
Commission, the common stock of Peoples First, Inc. is deemed to
be registered under Section 12(g) of the Securities Exchange Act
of 1934 and, accordingly, Peoples First, Inc. will, from the
date of the reorganization, comply with the filing and other
requirements under the Exchange Act previously undertaken by The
Peoples Bank of Oxford.
The common stock of Peoples First, Inc. will trade in the
over-the-counter market under the symbol "PPFR" as of July 29,
2000.
The holding company reorganization is described in the
Registration Statement on Form S-4, no. 333-30640, filed by
Peoples First, Inc. with the Securities and Exchange Commission.
SIGNATURE
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.
Dated: July 28, 2000 PEOPLES FIRST, INC.
By: /s/George C. Mason
George C. Mason,
Chairman and Chief Executive
Officer
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