<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. 6)
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. 6 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. 6 TO SCHEDULE 13G.
<PAGE>
- ----------------------- ---------------------
CUSIP NO. 603240102 13G PAGE 2 OF 5 PAGES
- ----------------------- ---------------------
- ------------------------------------------------------------------------------
NAME OF REPORTING PERSON
1 I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
HERITAGE NATIONAL BANK, as fiduciary
IRS No. 23-0881822
- ------------------------------------------------------------------------------
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
2 (a) [_]
(b) [_]
- ------------------------------------------------------------------------------
SEC USE ONLY
3
- ------------------------------------------------------------------------------
CITIZENSHIP OR PLACE OF ORGANIZATION
4
Pennsylvania
- ------------------------------------------------------------------------------
SOLE VOTING POWER
5
NUMBER OF 239,151
SHARES -----------------------------------------------------------
SHARED VOTING POWER
BENEFICIALLY 6
34,213
OWNED BY
-----------------------------------------------------------
EACH SOLE DISPOSITIVE POWER
7
REPORTING 239,151
PERSON -----------------------------------------------------------
SHARED DISPOSITIVE POWER
WITH 8
34,213
- ------------------------------------------------------------------------------
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
9
273,364
- ------------------------------------------------------------------------------
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
10
[_]
- ------------------------------------------------------------------------------
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
11
5.73%
- ------------------------------------------------------------------------------
TYPE OF REPORTING PERSON*
12
BK
- ------------------------------------------------------------------------------
*SEE INSTRUCTIONS BEFORE FILLING OUT!
- 2 -
<PAGE>
Page 3 of 5 Pages
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 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(s) Filing:
Heritage National Bank
Item 2(b) Address of Principal Business Office:
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 The person(s) filing is(are):
(b) [X] Bank as defined in Section 3(a)(6) of the Act.
(e) [_] Investment Adviser registered under Section 203 of the
Investment Advisers Act of 1940.
(g) [_] Parent Holding Company in accordance with
Section 240.13d-1(b)(1)(ii)(G).
-3-
<PAGE>
Page 4 of 5 Pages
SCHEDULE 13G (Continued)
(g) [_] Parent Holding Company in accordance with
Section 240.13-d(1)(b)(ii)(G).
(h) [_] Group, in accordance with Section 240.13d(1)(b)(ii)(H).
Item 4 Ownership:
---------
(a) Amount beneficially owned: 273,364
(b) Percent of class: 5.73%
(c) Number of shares as to which such person has:
i) Sole power to vote or to direct the vote: 239,151
ii) Shared power to vote or to direct the vote: 34,213
iii) Sole power to dispose or to direct
the disposition of shares: 239,151
iv) Shared power to dispose or to direct the
disposition of shares: 34,213
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. 6 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-.
-4-
<PAGE>
SCHEDULE 13G (Continued) Page 5 of 5 Pages
Item 7 Identification and Classification of the Subsidiary Which Acquired the
----------------------------------------------------------------------
Security Being Reported on 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 the 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 10, 1998
HERITAGE NATIONAL BANK
By: /s/ David Scott
------------------------------
David Scott
Assistant Vice President
- 5 -