MORGAN FINANCIAL CORP
15-12G, 1996-08-22
STATE COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                     FORM 15

CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF
THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER
SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

                                              Commission File Number  0-20764
                                                                      -------
                             Morgan Financial Corp.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

               205 West Kiowa Avenue, Fort Morgan, Colorado 80701
- --------------------------------------------------------------------------------
               (Address, including zip code, and telephone number,
       including area code, of registrant's principal executive offices)

                          Common Stock, $.01 par value
- --------------------------------------------------------------------------------
            (Title of each class of securities covered by this Form)

                                      None
- --------------------------------------------------------------------------------
       (Titles of all other classes of securities for which a duty to file
                 reports under section 13(a) or 15(d) remains)

       Please place an X in the box(es) to designate, the appropriate rule
   provision(s) relied upon to terminate or suspend the duty to file reports:

  Rule 12g-4(a)(1)(i)       |X|               Rule 12h-3(b)(1)(i)       |_|
  Rule 12g-4(a)(1)(ii)      |_|               Rule 12h-3(b)(1)(ii)      |_|
  Rule 12g-4(a)(2)(i)       |_|               Rule 12h-3(b)(2)(i)       |_|
  Rule 12g-4(a)(2)(ii)      |_|               Rule 12h-3(b)(2)(ii)      |_|
                                              Rule 15d-6                |_|

         Approximate number of holders of record as of the certification
                              or notice date:      252
                                              -------------


     Pursuant to the requirements of the Securities Exchange Act of 1934, Morgan
Financial Corp. has caused this  certification/notice to be signed on its behalf
by the undersigned duly authorized person.

Date: August 22, 1996               By: /s/ Michael M. Berryhill
                                        ------------------------
                                        Michael M. Berryhill, President



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