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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 12b-25
Commission File Number ___________________
NOTIFICATION OF LATE FILING
(Check One): Form 10-K [X] Form 11-K Form 20-F Form 10-Q
Form N-SAR
For Period Ended: DECEMBER 31, 1999
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Transition Report on Form 10-K Transition Report on Form 10-Q
Transition Report on Form 20-F Transition Report on Form N-SAR
Transition Report on Form 11-K
For the Transition Period Ended: N/A
Read 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: N/A
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PART I
REGISTRANT INFORMATION
Full Name of Registrant: AREA BANCSHARES CORPORATION
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Former Name if Applicable: None
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Address of Principal Executive Office (Street and Number): 230 FREDERICA STREET
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City, State and Zip Code: OWENSBORO, KENTUCKY 42301
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PART II
RULE 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)
(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
report on Form 10-K, Form 20-F, 11-K or Form N-SAR, or
portion thereof will be filed on or before the 15th
calendar day following the prescribed due date; or the
subject quarterly report or transition report on
Form 10-Q, or portion thereof will be filed on or before
the fifth calendar day following the prescribed due date;
and
[X] (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 Forms 10-K, 11-K,
20-F, 10-Q, N-SAR or the transition report portion thereof could not be filed
within the prescribed time period.
The Registrant's Form 11-K for the year ended December 31, 1999 cannot
be timely filed as a result of the information needed to properly complete the
required financial statements has just been completed and thus, the auditors
have been unable to complete their audit and report on the financial statements.
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PART IV
OTHER INFORMATION
(1) Name and telephone number of person to contact in regard to this
notification
Gary R. White, VP-Controller 270 688-7824
(Name, Title) (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 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?
Yes [X] 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.
AREA BANCSHARES CORPORATION
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(Name of Registrant as Specified in Charter)
Has caused this notification to be signed on its behalf by the undersigned
thereunto duly authorized.
Date: JUNE 29, 2000 By: /s/ EDWARD J. VEGA
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Senior Vice President
Chief Financial Officer
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Area Bancshares Corporation
230 Frederica Street
Owensboro, Kentucky 42303
June 29, 2000
Gentlemen:
Pursuant to Rule 12-b-25 of the General Rules and Regulations under the
Securities Exchange Act of 1934, we inform you that we have bee furnished a copy
of Form 12b-25 to be filed by Area Bancshares Corporation on or about June 29,
2000, which contains notification of the registrant's inability to file its Form
11-K by June 28, 2000. We have read the Company's statements contained in Part
III therein and we agree with the stated reason as to why we have been unable to
complete our audit and report on the financial statements for the year ended
December 31, 1999, to be included in Form 11-K.
Very truly yours,
/s/ KPMG LLP
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