SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM 10-K/A (AMENDMENT #1)
ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 1994.
Commission file number 0-15366
CORTLAND FIRST FINANCIAL CORPORATION
(Exact name of Registrant as specified in its charter)
State of incorporation: New York
I.R.S. Employer Identification No.: 16-1276885
Address of principal executive offices: 65 Main Street, Cortland, NY 13045
Registrant's telephone number including area code: (607) 756-2831
Securities registered pursuant to Section 12(b) of the Act: None
Securities registered pursuant to Section 12(g) of the Act:
Common Stock, $5.00 par value
Indicate by check mark whether the Registrant (1) has filed all
reports required to be filed by Section 13 or 15(d) of the Securities
Exchange Act of 1934 during the preceding 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
The aggregate market value of the voting stock held by non-affiliates of
the Registrant on February 12, 1995 was $35,276,025.
The number of shares outstanding of the Registrant's common stock on
December 31, 1994: Common Stock, $5.00 Par Value --- 672,000 shares.
This amendment is being filed solely for the purpose of submitting
Exhibit 27.
<PAGE>
Part IV
Item 14 --Exhibits
(a) Documents filed as part of this report
(2) Financial statement schedules are omitted from this Form
10-K/A since the required information is not applicable
to the Registrant.
(3) Listing of Exhibits:
The following documents are attached as Exhibits to this
Form 10-K/A as indicated by the page number or exhibit or
are incorporated by reference to the prior filings of the
Registrant with the Commission.
Form 10-K/A
Exhibit Number Exhibit
27 Financial Data Schedule
Item 14 (b)
There were no reports filed on Form 8-K during the fourth
quarter of 1994.
Item 14 (c)
See Item 14 (a) (3) above.
Item 14 (d)
See Item 14 (a) (2) above.
<PAGE>
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the
Securities Exchange Act of 1934, the registrant has duly caused
this report to be signed on its behalf by the undersigned,
thereunto duly authorized.
CORTLAND FIRST FINANCIAL CORPORATION
(Registrant)
Date March 30, 1995 By Bob Derksen
Vice President and
Chief Financial Officer
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