<PAGE>
UNITED STATES
SECURITY AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-QSB/A
[X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 1996
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or
[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the transition period from to
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Commission File Number: 0-27700
Heritage Financial Corporation
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(Exact name of registrant as specified in its charter)
Delaware
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(State or other jurisdiction of incorporation or organization)
37-1351506
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(I.R.S. Employer identification No.)
619 12th Street, Lawrenceville, Illinois 62439
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(Address of principal executive offices) (Zip Code)
(618) 943-2515
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(Registrant's telephone number, including area code)
N/A
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(Former name, former address and former fiscal
year, if changed since last report)
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 shorter period that the registrant was required to
file such reports), and (2) has been subject to such filing for the past 90
days. [ X ] Yes [ ] No
As of September 30, 1996 there were 493,320 shares of the Registrant's common
stock issued and outstanding.
Transitional Small Business Disclosure Format (Check One):
[ ] Yes [ X ] No
<PAGE>
SIGNATURES
Pursuant to the requirement 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.
HERITAGE FINANCIAL CORPORATION
Registrant
Date: November 26, 1996 /s/ Kevin J. Kavanaugh
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Kevin J. Kavanaugh, President and Chief
Executive Officer
Date: November 26, 1996 /s/ Cleora Gillespie
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Cleora Gillespie, Secretary and Treasurer
-12-
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB FOR THE FISCAL QUARTER ENDED SEPTEMBER 30, 1996
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-END> SEP-30-1996
<CASH> 60,349
<INT-BEARING-DEPOSITS> 2,848,619
<FED-FUNDS-SOLD> 25,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 2,155,816
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 30,131
<LOANS> 12,212,191
<ALLOWANCE> (118,417)
<TOTAL-ASSETS> 17,639,018
<DEPOSITS> 9,205,015
<SHORT-TERM> 0
<LIABILITIES-OTHER> 255,315
<LONG-TERM> 0
0
0
<COMMON> 4,933
<OTHER-SE> 8,173,755
<TOTAL-LIABILITIES-AND-EQUITY> 17,639,018
<INTEREST-LOAN> 246,633
<INTEREST-INVEST> 100,531
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 347,164
<INTEREST-DEPOSIT> 111,836
<INTEREST-EXPENSE> 111,836
<INTEREST-INCOME-NET> 235,328
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 184,876
<INCOME-PRETAX> 51,094
<INCOME-PRE-EXTRAORDINARY> 51,094
<EXTRAORDINARY> 0
<CHANGES> 18,377
<NET-INCOME> 32,717
<EPS-PRIMARY> .07
<EPS-DILUTED> 0
<YIELD-ACTUAL> 0
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> (118,417)
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> (118,417)
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
