DS BANCOR INC
NTN 11K, 1994-06-30
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                     U.S. SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                   FORM 12b-25

                           NOTIFICATION OF LATE FILING
                                  (Check One):
[ ] Form 10-K  [ ] Form 20-F [x] Form 11-K [ ] Form 10-Q [ ] Form N-SAR
For Period Ended: December 31, 1993
                  -------------------------------------------------------------
[ ] Transition Report on Form 10-K
[ ] Transition report on Form 20-F
[ ] Transition Report on Form 11-K
[ ] Transition report on Form 10-Q
[ ] Transition Report on Form N-SAR
For the Transition Period Ended:
                                 ----------------------------------------------

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  READ ATTACHED INSTRUCTION SHEET BEFORE PREPARING FORM.  PLEASE PRINT OR TYPE.
Nothing in this form shall be construed to imply that the Commission has
verified any information contained herein.

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  If the notification relates to a portion of the filing checked above, identify
the Item(s) to which the notification relates:
                                              ---------------------------------

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PART I - REGISTRANT INFORMATION

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Full Name of Registrant
Former Name if Applicable

                                 DS Bancor, Inc.
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Address of Principal Executive Office (Street and Number)
                               33 Elizabeth Street
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City, State and Zip Code
                                Derby, CT  06418
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PART II - RULES 12B-25(b) AND (c)
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          If the subject report could not be filed without unreasonable effort
     or expense and the registrant seeks relief pursuant to Rule 12b-25(b), the
     following should be completed.  (Check box if appropriate)

          (a) The reasons described in reasonable detail in Part III
     of this form could not be eliminated without unreasonable
   effort of expense;

[X]       (b) The subject annual report, semi-annual report, transition
     report on Form 10-K, Form 20-F, 11-K or Form N-SAR, or portion thereof will
     be filed on or before the fifteenth calendar day following the prescribed
     due date; or the subject quarterly report or transition report on Form
     10-Q, or portion thereof will be filed on or before the fifth Calendar day
     following the prescribed due date; and

          (c) The accountant's statement or other exhibit required by
     Rule 12b-25(c) has been attached if applicable.

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PART III - NARRATIVE

     State below in reasonable detail the reasons why Form 10-K, 20-
F, 11-K, 10-Q, N-SAR or the transition report or portion thereof could not be
filed within the prescribed time period.
                                             (Attach Extra Sheets if Needed)
          See Attachment
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PART IV - OTHER INFORMATION
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     (1) Name and telephone number of person to contact in regard to
this notification
          Alfred T. Santoro             (203) 736-9921
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          (Name)                   (Area Code)           (Telephone Number)
     (2) Have all other periodic reports required under section 13
or 15(d) of the Securities Exchange Act of 1934 or section 30 of the Investment
Company Act of 1940 during the preceding 12 months or for such shorter period
that the registrant was required to file such report(s) been filed?  If the
answer is no, identify report(s).
                                                       [x] Yes      [ ] No



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     (3) Is it anticipated that any significant change in results of
operations from the corresponding period for the last fiscal year will be
reflected by the earnings statements to be included in the subject report or
portion thereof?
                                                         [ ] Yes      [X] No
     If so:  attached an explanation of the anticipated change, both narratively
and quantitatively, and, if appropriate, state the reasons why a reasonable
estimate of the results cannot be made.

                                 DS BANCOR, INC.
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                  (Name of Registrant as specified in charter)

has caused this notification to be signed on its behalf by the undersigned
thereunto duly authorized.

      June 30, 1994                 /s/Harry P. DiAdamo, Jr.
Date........................       By......................................
                                       Harry P. DiAdamo, Jr., President

INSTRUCTION:  The form may be signed by an executive officer of the registrant
or by any other duly authorized representative. The name and title of the person
signing the form shall be typed or printed beneath the signature.  If the
statement is signed on behalf of the registrant by an authorized representative
(other than an executive officer), evidence of the representative's authority to
sign on behalf of the registrant shall be filed with the form.

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                                    ATTENTION
  Intentional misstatements or omissions of fact constitute Federal Criminal
Violations (See 18 U.S.C. 1001).
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                            ATTACHMENT TO FORM 12b-25
                     U.S. SECURITIES AND EXCHANGE COMMISSION

                            Filed By DS Bancor, Inc.

          The Derby Savings Bank Thrift Plan Annual Report on Form 11-K is
unable to be filed within the prescribed time period because the Registrant is
still in the process of compiling the required financial information necessary
to prepare the Form 11-K.  The delay primarily relates to a change in the Plan's
fiscal year and appointment of a new Trustee during 1993.  The Derby Savings
Bank Thrift Plan expects to file its Annual report on Form 11-K for the year
ended December 31, 1993 within 15 calendar days following the prescribed due
date.




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