UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. ________________)*
Hanover Bancorp, Inc.
(Name of Issuer)
Common Stock
(Title of Class of Securities)
410707103
(CUSIP Number)
Check the following box if a fee is being paid with this statement ___.
(A fee is not required 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 1934 (##Act##) or otherwise subject to the liabilities of
that section of the Act shall be subject to all other provisions if the
Act (however, see the Notes).
<PAGE>
CUSIP NO. 410707103 13G
1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
BANK OF HANOVER AND TRUST COMPANY
23@@6392818
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
A ____
B ____
3 SEC USE ONLY
4 CITIZENSHIP OR PLACE OF ORGANIZATION
HANOVER, PENNSYLVANIA
5 SOLE VOTING POWER
NUMBER OF 340,942
SHARES
BENEFICIALLY 6 SHARED VOTING POWER
OWNED BY 28,736
EACH
REPORTING 7 SOLE DISPOSITIVE POWER
PERSON WITH 340,942
8 SHARED DISPOSITIVE POWER
28,736
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
369,678
10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
9.52%
12 TYPE OF REPORTING PERSON
BK
<PAGE>
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.
February 16, 2000
Date
/s/ Paul J. Stevenson
Signature
Paul J. Stevenson
Vice President/Trust Officer
Name/Title
