SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 12b-25
Commission File No. 333-36688
NOTIFICATION OF LATE FILING
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(Check One): [ ] Form 10-KSB [ ] Form 11-K [ ] Form 20-F [x] Form 10-QSB [ ] Form N-SAR
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For Period Ended: September 30, 2000
[ ] Transition Report on Form 10-K [ ] Transition Report on Form 10-Q
[ ] Transition Report on Form 20-F [ ] Transition Report on Form N-SAR
[ ] Transition Report on Form 11-K
For the Transition Period Ended:
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Nothing in this form shall be construed to imply that the Commission
has verified any information contained herein.
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
Full name of registrant: Indian River Banking Company
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Former name if applicable:
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Address of principal executive office (Street and number):
958 20th Place
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City, State and Zip Code: Vero Beach, Florida 32960
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PART II. RULE 12b-25 (b) AND (c)
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 appropriate box.)
(a) The reasons described in reasonable detail in Part III of this form
could not be eliminated without unreasonable effort or expense;
(b) The subject annual report, semi-annual report, transition report on
Form 10-KSB, 20-F, 11-K or Form N-SAR, or portion thereof will be filed
on or before the 15th calendar day following the prescribed due date;
[x] or the subject quarterly report or transition report on Form 10-QSB, 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-KSB, 11-K,
20-F, 10-QSB, N-SAR or the transition report portion thereof could not be filed
within the prescribed time period. (Attach extra sheets if needed.)
As a result of the unavailability of certain accounting personnel
necessary for preparation of the report and the completion of the
review required by Item 310(b) of Regulation SB, the report could not
be completed in time to permit the filing of the Form 10-QSB on a
timely basis.
PART IV. OTHER INFORMATION
(1) Name and telephone number of person to contact in regard to this
notification
Noel M. Gruber (301) 229-3400
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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
(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: attach 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.
The registrant will report net income per common share of $1.41 (basic)
and $1.37 (diluted) for the nine months ended September 30, 2000, as
compared to $1.11 (basic) and $1.10 (diluted) for the nine months ended
September 30, 1999. The registrant will report net income per common
share of $0.45 (basic) and $0.44 (diluted) for the three months ended
September 30, 2000, as compared to $0.43 (basic and diluted) for the
three months ended September 30, 1999.
Indian River Banking Company
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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.
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Date: November 15, 2000 By: /s/Charles A. Bradley
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Charles A. Bradley
Vice President, Treasurer and Chief Financial Officer
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