FORM 10-QSB
U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D. C. 20549
QUARTERLY REPORT UNDER SECTION 13 OR 15 (d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the Quarter Ended March 31, 1996 Commission File Number 33-25687-A
HERITAGE BANCSHARES, INC.
______________________________________________________________________
(Exact name of Small Business Issuer as specified in its charter)
FLORIDA 65-0059575
______________________________________________________________________
(State or other jurisdiction of (IRS Employer
incorporation or organization) Identification No.)
12998 SO. CLEVELAND AVENUE, FORT MYERS, FLORIDA 33901
______________________________________________________________________
(Address of principal executive offices) (Zip code)
ISSUER'S TELEPHONE NUMBER: (813) 482-1441
Check whether the issuer (1) filed
all reports required to be filed by
Section 13 or 15 (d) of the Exchange
Act during the past 12 months (or for
such shorter period that the Regis-
trant was required to file such
reports), and (2) has been subject to
such filing requirements for the past
90 days. Yes X No .
<TABLE>
<CAPTION>
CLASS OUTSTANDING AT MAY 5, 1996
_____ ____________________________
<S> <C>
COMMON STOCK, $1.00 PAR VALUE 543,972 SHARES
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<PAGE>
This filing is being amended for the reason to include the Financial
Date Schedule.
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on behalf by the
undersigned thereunto duly authorized.
LEO R DOERR
____________________________
Leo R. Doerr, President and
Chief Executive Officer
(Principal Executive Officer)
MAY 7, 1996
Date: _____________________
DAVID M DUVALL
_____________________________
David M. DuVall, Executive Vice
President and Treasurer
(Principal Financial and
Accounting Officer)
MAY 7, 1996
Date: _____________________
ACKNOWLEDGE COPY
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) THE
CONSOLIDATED CONDENSED BALANCE SHEET, CONSOLIDATED CONDENSED STATEMENT OF
INCOME, NOTES TO CONSOLIDATED CONDENSED FINANCIAL STATEMENTS AND ITEM 2
M D AND A OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS OF THE FORM 10-QSB
FOR 3/31/96 & IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO (B) FORM 10-QSB.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> MAR-31-1996
<CASH> 3,023,686
<INT-BEARING-DEPOSITS> 43,072
<FED-FUNDS-SOLD> 6,500,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 11,602,055
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 62,154,892
<ALLOWANCE> 501,098
<TOTAL-ASSETS> 89,148,996
<DEPOSITS> 73,756,659
<SHORT-TERM> 7,454,502
<LIABILITIES-OTHER> 551,379
<LONG-TERM> 0
<COMMON> 543,972
0
0
<OTHER-SE> 6,842,484
<TOTAL-LIABILITIES-AND-EQUITY> 89,148,996
<INTEREST-LOAN> 1,403,086
<INTEREST-INVEST> 162,324
<INTEREST-OTHER> 74,474
<INTEREST-TOTAL> 1,639,884
<INTEREST-DEPOSIT> 712,573
<INTEREST-EXPENSE> 712,573
<INTEREST-INCOME-NET> 927,311
<LOAN-LOSSES> 10,725
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 715,522
<INCOME-PRETAX> 282,187
<INCOME-PRE-EXTRAORDINARY> 282,187
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 182,287
<EPS-PRIMARY> .34
<EPS-DILUTED> .34
<YIELD-ACTUAL> 0
<LOANS-NON> 734,610
<LOANS-PAST> 21,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 501,098
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 501,098
<ALLOWANCE-DOMESTIC> 501,098
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
