SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.
FORM 10-KSB / A
X Annual Report under Section 13 or 15(d) of the Securities Exchange Act of
1934 for (fee required) for the fiscal year ended December 31, 1995.
Transition Report under Section 13 or 15(d) of the Securities Exchange Act
of 1934 for the transition period from ____________ to ____________.
Commission File Number 0-11526
FIRST COLONIAL GROUP, INC.
(Name of Small Business Issuer in its charter)
Pennsylvania 23-2228154
(State or other jurisdiction of (I.R.S. Employer Identification No.)
incorporation or organization)
76 South Main Street, Nazareth, Pennsylvania 18064
(Address of principal executive offices) (Zip Code)
Issuer's telephone number 610-746-7300
Securities registered under Section 12 (b) of the Exchange Act:
None
Securities registered under Section 12 (g) of the Exchange Act:
Common Stock, $5.00 Par Value
(Title of Class)
Check whether the issuer (1) has filed all reports required to be filed by
Section 13 or 15 (d) of the Exchange Act during the past 12 months (or for such
shorter period that the registrant was required to file such reports), and (2)
has been subject to such filing requirements for the past 90 days.
Yes X No
<PAGE>
The purpose of this amendment is to include the Report of Independent
Certified Public Accountants which was inadvertently omitted from the issuer's
report on Form 10-KSB for December 31, 1995.
Item 7. Financial Statements
Report of Independent Certified Public Accountants
Board of Directors
First Colonial Group, Inc.
We have audited the accompanying consolidated balance sheets of First
Colonial Group, Inc. and Subsidiaries as of December 31, 1995 and 1994, and the
related consolidated statements of income, changes in shareholders' equity and
cash flows for each of the three years in the period ended December 31, 1995.
These financial statements are the responsibility of the Company's management.
Our responsibility is to express an opinion on these financial statements based
on our audits.
We conducted our audits in accordance with generally accepted auditing
standards. Those standards require that we plan and perform the audit to obtain
reasonable assurance about whether the financial statements are free of material
misstatement. An audit includes examining, on a test basis, evidence supporting
the amounts and disclosures in the financial statements. An audit also includes
assessing the accounting principles used and significant estimates made by
management, as well as evaluating the overall financial statement presentation.
In our opinion, the financial statements referred to above present fairly,
in all material respects, the consolidated financial position of First Colonial
Group, Inc. and Subsidiaries as of December 31, 1995 and 1994, and the
consolidated results of their operations and their consoliated cash flows for
each of the three years in the period ended December 31, 1995 in conformity with
generally accepted accounting principles.
/S/ GRANT THORNTON LLP
Philadelphia, Pennsylvania
January 18, 1996
<PAGE>
SIGNATURES
In accordance with Section 13 or 15(d) of the Exchange Act, the registrant
caused this amendment on Form 10-KSB / A to be signed on its behalf by the
undersigned, thereunto duly authorized.
FIRST COLONIAL GROUP, INC.
Dated: April 23, 1996 By: _____________________________
S. ERIC BEATTIE, President
and Chief Executive Officer
