FIRST HARRISBURG BANCOR INC
NT 10-K, 1996-03-29
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549




                                   FORM 12b-25


                           NOTIFICATION OF LATE FILING
                                       of

                                    FORM 10-K
                       For Period Ended: December 31, 1995



                          First Harrisburg Bancor, Inc.
                              (Name of Registrant)




                  234 North Second Street, Harrisburg, PA 17101
                     (Address of Principal Executive Office)




                                     0-17913
                            (Commission File Number)



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                Nothing in this form shall be construed to imply
                that the Commission has verified any information
                                contained herein.

                                   Page 1 of 3
<PAGE>
Part II

         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.)

         [X]      (a)      The reasons described in reasonable detail in Part
                           III of this form could not be eliminated without
                           unreasonable effort or expense;

         [X]      (b)      The subject annual report on Form 10-K will be filed
                           on or before the fifteenth calendar day following the
                           prescribed due date;

         [ ]      (c)      The accountant's statement or other exhibit required
                           by Rule 12b-25(c) has been attached if applicable.


Part III

         State below in reasonable detail the reasons why Form 10-K could not be
filed within the prescribed period.





         Registrant will not be holding its annual  stockholder  meeting because
it was  purchased  by  Harris  Savings  Bank.  Due  to  staff  resignations  and
illnesses, there hasn't been sufficient time to train temporary help.









                                   Page 2 of 3

<PAGE>
Part IV


         (1)  Name and  telephone  number of person to contact in regard to this
              notification.

                J. Frederic Redslob                      (717) 232-6661  x 227
              ------------------------------------------------------------------

         (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 twelve months
              or for such  shorter  period that the  registrant  was required to
              file such report(s) been filed? If the answer is no, identify such
              reports.

                           Yes [X]                   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? 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.

                           Yes [ ]                   No [X]



         First Harrisburg Bancor, Inc. has caused this notification to be signed
on its behalf by the undersigned thereunto duly authorized.


Date:  March 28, 1996                By: /s/ J. Frederic Redslob
                                         ---------------------------------------
                                         Name:  J. Frederic Redslob
                                         Title: Secretary/Treasurer






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