<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. 5)
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. 5 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 SECTION
13(d) OR 13(g) OF THE ACT, THE BENEFICIAL OWNERS OF ANY SECURITIES COVERED BY
THIS AMENDMENT NO. 5 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 163,472
Owned by Each
Reporting Person ------------------------------------------------------------
With
(6) Shared Voting
Power 41,457
------------------------------------------------------------
(7) Sole Dispositive
Power 163,472
------------------------------------------------------------
(8) Shared Dispositive
Power 41,457
- --------------------------------------------------------------------------------
(9) Aggregate Amount Beneficially
Owned by Each Reporting Person 204,929
- --------------------------------------------------------------------------------
(10) Check if the Aggregate Amount
in Row (9) Excludes Certain
Shares (See Instructions)
- --------------------------------------------------------------------------------
(11) Percent of Class Represented
by Amount in Row (9) 8.54%
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(12) Type of Reporting Person BK
(See Instructions)
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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: 204,929
(b) Percent of class: 8.54%
(c) Number of shares as to
which person has:
(i) Sole power to vote or
to direct the vote: 163,472
(ii) Shared power to vote
or to direct the vote: 41,457
(iii) Sole power to dispose
or to direct the
disposition of shares: 163,472
(iv) Shared power to dispose
or to direct the
disposition of shares: 41,457
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. 5 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 3, 1997
HERITAGE NATIONAL BANK
By: /s/ David Scott
------------------------------------------
David Scott
Assistant Vice President
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