SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
[X] Annual Report pursuant to Section 15(d) of the Securities
Exchange Act of 1934 for the fiscal year ended December 31,
1993.
or
[ ] Transition Report pursuant to Section 15(d) of the
Securities Exchange Act of 1934 for the transition period
from _____________ to _______________.
Commission File Number: 0-12634
Commonwealth Bancshares Corporation 401(k) Plan
(Full title of the plan)
Meridian Bancorp, Inc.
35 North 6th Street
Reading, PA 19601
(Name of issuer of the securities held pursuant to the plan and
the address of its principal executive office.)
Registrant's telephone number, including
area code: (610) 655-2000
Notices and communications from the Securities and Exchange
Commission relative to this report should be forwarded to:
Meridian Bancorp, Inc.
One Meridian Boulevard
Wyomissing, PA 19610
Attention: Barbara A. Espeland
With a copy to:
Wesley R. Kelso, Esquire
Stevens & Lee
607 Washington Street
Reading, PA 19601
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Item 1. Financial Statements and Exhibits
a. Financial Statements*
1. Report of Parente, Randolph, Orlando, Carey &
Associates.
2. Audited Statement of Net Assets Available for
Benefits as of December 31, 1993 and 1992.
3. Audited Statement of Changes in Net Assets
Available for Benefits for each of the years
in the three year period ended December 31,
1993.
4. Notes to Financial Statements.
b. Exhibits
1. Consent of Parente, Randolph, Orlando,
Carey & Associates *
* To be filed by amendment as permitted by General
Instruction A.
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange
Act of 1934, the Administrative Committee of the Commonwealth
Bancshares Corporation 401(k) Plan has duly caused this annual
report to be signed on its behalf by the undersigned thereunto
duly authorized.
COMMONWEALTH BANCSHARES
CORPORATION 401(k) PLAN
Date: March 29, 1994 By /s/Michael H. Cattuti
Michael H. Cattuti
<PAGE>
Exhibit Index
Exhibit Page Number in
Manually Signed Original
1. Consent of Parente, Randolph, *
Orlando, Carey & Associates
*To be filed by amendment.
