SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
Form 10-Q/A
Amendment to the Original SEC Form 10-Q submission filed August
12, 1996 with Financial Data Schedule (Exhibit 27) attached.
This schedule was inadvertently omitted in original filing.
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended June 30, 1996
Commission file number 0-19209
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Cardinal Bancorp, Inc.
(Exact Name of Registrant as Specified in its charter)
Pennsylvania 25-1537130
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(State of Incorporation) (I.R.S. Employer ID No.)
140 East Main Street, Everett, Pennsylvania 15537
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(Address of Principal Executive Office) (Zip Code)
(814) 652-2131
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(Registrant's Telephone Number, Including Area Code)
Not Applicable
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(Former Name, Former Address and Former Fiscal Year,
if changes 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 [ ]
APPLICABLE ONLY TO CORPORATE REGISTRANTS:
Indicate the number of shares outstanding of each of the
issuer's classes of common stock, as of the latest practicable
date. 495,000 shares of $.50 par common stock were outstanding
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as of August 5, 1996.
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<PAGE>
CARDINAL BANCORP, INC. AND SUBSIDIARY
EVERETT, PENNSYLVANIA
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.
Cardinal Bancorp, Inc.
----------------------
(Registrant)
By: /s/ James B. Bexley
---------------------------------------
James B. Bexley
President and Chief Executive Officer
Date: October 22, 1996
By: /s/ Merle W. Helsel
---------------------------------------
Merle W. Helsel
Chief Financial Officer
(principal financial and accounting officer)
Date: October 22, 1996
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> JUN-30-1996
<CASH> 3,827
<INT-BEARING-DEPOSITS> 43
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 53,884
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 62,563
<ALLOWANCE> (1,277)
<TOTAL-ASSETS> 124,984
<DEPOSITS> 108,185
<SHORT-TERM> 1,595
<LIABILITIES-OTHER> 816
<LONG-TERM> 0
<COMMON> 2,511
0
0
<OTHER-SE> 11,877
<TOTAL-LIABILITIES-AND-EQUITY> 124,984
<INTEREST-LOAN> 2,909
<INTEREST-INVEST> 1,765
<INTEREST-OTHER> 70
<INTEREST-TOTAL> 4,744
<INTEREST-DEPOSIT> 2,072
<INTEREST-EXPENSE> 2,080
<INTEREST-INCOME-NET> 2,664
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 11
<EXPENSE-OTHER> 1,795
<INCOME-PRETAX> 1,126
<INCOME-PRE-EXTRAORDINARY> 907
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 907
<EPS-PRIMARY> 1.83
<EPS-DILUTED> 1.83
<YIELD-ACTUAL> 4.46
<LOANS-NON> 1,115
<LOANS-PAST> 3
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,333
<CHARGE-OFFS> 155
<RECOVERIES> 99
<ALLOWANCE-CLOSE> 1,277
<ALLOWANCE-DOMESTIC> 846
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 431
</TABLE>
