<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 March 31, 2000
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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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Indicate the number of shares outstanding of each of the issuer's classes of
common stock, as of the latest practicable date: 2,306,880 shares of common
stock on March 31, 2000.
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SIGNATURES
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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: April 24, 2000 /s/ Richard D. Callahan
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Richard D. Callahan
President & CEO
Date: April 24, 2000 /s/ Marianne R. O'Connor
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Marianne R. O'Connor
Treasurer & CFO
2
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EXHIBIT INDEX
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Number Description
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27 Financial Data Schedule
3
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM *MARCH 31,
2000 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> MAR-31-2000
<CASH> 11,329
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 67,052
<INVESTMENTS-CARRYING> 52,504
<INVESTMENTS-MARKET> 51,592
<LOANS> 440,699
<ALLOWANCE> (3,413)
<TOTAL-ASSETS> 600,801
<DEPOSITS> 474,179
<SHORT-TERM> 32,369
<LIABILITIES-OTHER> 2,576
<LONG-TERM> 52,441
0
0
<COMMON> 2,427
<OTHER-SE> 36,809
<TOTAL-LIABILITIES-AND-EQUITY> 600,801
<INTEREST-LOAN> 8,550
<INTEREST-INVEST> 1,819
<INTEREST-OTHER> 128
<INTEREST-TOTAL> 10,497
<INTEREST-DEPOSIT> 4,361
<INTEREST-EXPENSE> 5,652
<INTEREST-INCOME-NET> 4,845
<LOAN-LOSSES> 354
<SECURITIES-GAINS> (25)
<EXPENSE-OTHER> 4,259
<INCOME-PRETAX> 1,177
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 715
<EPS-BASIC> .31
<EPS-DILUTED> .31
<YIELD-ACTUAL> 3.50
<LOANS-NON> 2,993
<LOANS-PAST> 103
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,269
<CHARGE-OFFS> 239
<RECOVERIES> 29
<ALLOWANCE-CLOSE> 3,413
<ALLOWANCE-DOMESTIC> 3,413
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
