<PAGE>
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D. C. 20549
FORM 10-Q/A
(Mark One)
X QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE
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SECURITIES EXCHANGE ACT OF 1934
For Quarter Ended June 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 ____________
Commission File Number 0-18301
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IROQUOIS BANCORP, INC.
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(Exact name of Registrant as specified in its charter)
NEW YORK 16-1351101
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(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification Number)
115 Genesee Street, Auburn, New York 13021
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (315) 252-9521
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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 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___
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APPLICABLE ONLY TO CORPORATE ISSUERS:
Indicate the number of shares outstanding of each of the issuer's classes of
common stock, as of the latest practicable date: 2,356,564 shares of common
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stock on June 30, 1996.
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IROQUOIS BANCORP, INC.
AND CONSOLIDATED SUBSIDIARIES
PART II - OTHER INFORMATION
Item 6. Exhibits and Reports on Form 8-K
a. Exhibit 27 - Financial Data Schedule for the period ending
June 30, 1996.
* b. A Current Report on Form 8-K was filed on May 18, 1996 to
report at Item 2 thereof an acquisition by Registrant's
wholly-owned subsidiary, Cayuga Savings Bank, of the assets
of three branch operations from OnBank & Trust Co. No
financial statements or pro forma financial information
pursuant to Item 7 were included at that time as it was
impracticable to provide the required financial information
until all post-closing adjustments for the transaction had
been completed. The financial statements and pro forma
financial information are to be filed by amendment.
* Previously filed with the Securities and Exchange Commission on August 7,
1996.
(2)
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IROQUOIS BANCORP, INC.
AND CONSOLIDATED SUBSIDIARIES
SIGNATURE
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Pursuant to the requirements 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.
Iroquois Bancorp, Inc.
(Registrant)
Date: October 3, 1996 /s/Richard D. Callahan
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Richard D. Callahan
President & CEO
Date: October 3, 1996 /s/Marianne R. O'Connor
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Marianne R. O'Connor
Treasurer & CFO
(3)
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EXHIBIT INDEX
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Exhibit 27 Financial Data Schedule
(4)
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM *JUNE 30,
1996 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
*Identify the financial statement(s) to be referenced in the legend:
</LEGEND>
<MULTIPLIER> 1,000
<S> <C> <C>
<PERIOD-TYPE> 6-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-1996 DEC-31-1995
<PERIOD-START> JAN-01-1996 JAN-01-1995
<PERIOD-END> JUN-30-1996 JUN-30-1995
<CASH> 10,326 9,633
<INT-BEARING-DEPOSITS> 700 400
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 40,640 23,031
<INVESTMENTS-CARRYING> 54,029 63,786
<INVESTMENTS-MARKET> 0 0
<LOANS> 347,995 322,052
<ALLOWANCE> (3,236) (3,428)
<TOTAL-ASSETS> 470,710 430,096
<DEPOSITS> 412,513 370,598
<SHORT-TERM> 22,601 26,671
<LIABILITIES-OTHER> 2,312 2,848
<LONG-TERM> 0 0
0 0
50 50
<COMMON> 2,357 1,165
<OTHER-SE> 30,877 28,864
<TOTAL-LIABILITIES-AND-EQUITY> 470,710 430,096
<INTEREST-LOAN> 14,510 13,887
<INTEREST-INVEST> 2,923 2,600
<INTEREST-OTHER> 71 86
<INTEREST-TOTAL> 17,504 16,573
<INTEREST-DEPOSIT> 7,230 6,564
<INTEREST-EXPENSE> 8,186 7,512
<INTEREST-INCOME-NET> 9,318 9,061
<LOAN-LOSSES> 742 466
<SECURITIES-GAINS> 1 (18)
<EXPENSE-OTHER> 6,334 6,380
<INCOME-PRETAX> 3,520 3,404
<INCOME-PRE-EXTRAORDINARY> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 2,143 2,044
<EPS-PRIMARY> .83 .79
<EPS-DILUTED> .83 .79
<YIELD-ACTUAL> 0 0
<LOANS-NON> 0 0
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 0 0
<CHARGE-OFFS> 0 0
<RECOVERIES> 0 0
<ALLOWANCE-CLOSE> 0 0
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
</TABLE>
