<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. 4)
NAME OF ISSUER: HERITAGE BANCORP, INC.
TITLE OF CLASS
OF SECURITIES: Common Stock, Par Value
$5.00 per share
CUSIP NUMBER: 603240102
Check the following box if a fee is being paid with this statement: [_]
THE FILING OF THIS AMENDMENT NO. 4 TO SCHEDULE 13G SHALL NOT BE CONSTRUED AS AN
ADMISSION THAT HERITAGE BANCORP, INC., OR ITS WHOLLY-OWNED SUBSIDIARIES AND
AFFILIATES, INCLUDING HERITAGE NATIONAL BANK, ARE, FOR THE PURPOSES OF
SECTION13(d) OR 13(g) OF THE ACT, THE BENEFICIAL OWNERS OF ANY SECURITIES
COVERED BY THIS AMENDMENT NO. 4 TO SCHEDULE 13G.
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CUSIP NO. 603240102 Page 2 of 5 Pages
- - --------------------------------------------------------------------------------
(1) Names of Reporting Persons HERITAGE NATIONAL BANK,
SS or IRS Identification Nos. as fiduciary
of Above Persons IRS No. 23-0881822
- - --------------------------------------------------------------------------------
(2) Check the Appropriate Box (a) _______________________
if a Member of a Group
(See Instructions) (b) _______________________
- - --------------------------------------------------------------------------------
(3) SEC Use Only
- - --------------------------------------------------------------------------------
(4) Citizenship or Place Pennsylvania
of Organization
- - --------------------------------------------------------------------------------
Number of Shares (5) Sole Voting
Beneficially Power 146,768
Owned by Each ------------------------------------------------------------
Reporting Person
With (6) Shared Voting
Power 26,167
------------------------------------------------------------
(7) Sole Dispositive
Power 146,768
------------------------------------------------------------
(8) Shared Dispositive
Power 26,167
- - --------------------------------------------------------------------------------
(9) Aggregate Amount Beneficially
Owned by Each Reporting Person 172,935*
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(10) Check if the Aggregate Amount
in Row (9) Excludes Certain
Shares (See Instructions)
- - --------------------------------------------------------------------------------
(11) Percent of Class Represented
by Amount in Row (9) 8.88%
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(12) Type of Reporting Person BK
(See Instructions)
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*as of 2/2/96
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Page 3 of 5 Pages
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
(Under the Securities Exchange Act of 1934)
Item 1(a) Name of Issuer:
--------------
HERITAGE BANCORP, INC.
Item 1(b) Address of Issuer's Principal Executive Offices:
-----------------------------------------------
120 South Centre Street
Pottsville, PA 17901
Item 2(a) Name of Person Filing:
---------------------
Heritage National Bank
Item 2(b) Address of Principal Business Office, or if None, Residence:
-----------------------------------------------------------
Heritage National Bank
120 South Centre Street
Pottsville, PA 17901
Item 2(c) Citizenship:
-----------
United States
Item 2(d) Title of Class of Securities:
----------------------------
Common Stock, Par Value $5.00 per share
Item 2(e) CUSIP Number:
-------------
603240102
Item 3 If this statement is filed pursuant to Rules 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) [X] 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 Advisor 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
(S)240.13d-1(b)(1)(ii)(F).
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SCHEDULE 13G (Continued) Page 4 of 5 Pages
(g) [ ] Parent Holding Company, in accordance with
(S)240.13-d(1)(b)(ii)(G).
(h) [ ] Group, in accordance with (S)240.13d(1)(b)(ii)(H).
Item 4 Ownership:
---------
(a) Amount beneficially owned: 172,935*
(b) Percent of class: 8.88%
(c) Number of shares as to which person has:
(i) Sole power to vote or
to direct the vote: 146,768
(ii) Shared power to vote
or to direct the vote: 26,167
(iii) Sole power to dispose
or to direct the
disposition of shares: 146,768
(iv) Shared power to dispose
or to direct the
disposition of shares: 26,167
*as of 2/2/96
Item 5 Ownership of Five Percent or Less of a Class:
--------------------------------------------
N/A
Item 6 Ownership of More than Five Percent on Behalf of Another Person:
---------------------------------------------------------------
The filing of this Amendment No. 4 is intended to amend the
information provided by Heritage National Bank as to the
shares of Heritage Bancorp, Inc. common stock held by it.
Heritage National Bank, a wholly-owned bank subsidiary of
Heritage Bancorp, Inc. holds the securities in various
fiduciary capacities and in numerous separate accounts. As
a result, another entity in every instance is entitled to
dividends or proceeds of sale. The number of individual
accounts holding an interest of 5% or more is -0-.
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SCHEDULE 13G (Continued) Page 5 of 5 Pages
Item 7 Identification and Classification of the Subsidiary Which Acquired the
----------------------------------------------------------------------
Security Being Reported by the Parent Holding Company:
-----------------------------------------------------
N/A
Item 8 Identification and Classification of Members of the Group:
---------------------------------------------------------
N/A
Item 9 Notice of Dissolution of Group:
------------------------------
N/A
Item 10 Certification:
-------------
N/A
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.
Date: February 8, 1996
HERITAGE NATIONAL BANK
By: /s/ Allen E. Kiefer
---------------------------------------
Allen E. Kiefer
President and CEO
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