UNITED STATES
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
SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 1996
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 0-20335
OSB Financial Corp.
-----------------------------------------------------
(Exact name of registrant as specified in its charter)
Wisconsin 39-1726499
- ------------------------------- -------------------
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) identification No.)
420 S. Koeller Street, Oshkosh, Wisconsin 54901
- --------------------------------------------- --------
(Address of principal executive offices) Zip Code
Registrant's telephone number, including area code: (414) 236-3680
--------------
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 twelve (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 ninety (90) days.
Yes __X__ No ____
As of October 31, 1996, there were 1,111,484 shares of the
Registrant's Common Stock, $.01 par value per share, issued and
outstanding.
<PAGE> 2
SIGNATURES
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.
OSB Financial Corp.
Date: November 11, 1996 By: /s/ James J. Rothenbach
-------------------------------------
James J. Rothenbach
President and Chief Executive Officer
(Duly Authorized Officer)
Date: November 11, 1996 By: /s/ David A. Hayford
-------------------------------------
David A. Hayford
Vice President - Finance
(Principal Accounting Officer)
<PAGE> 3
EXHIBIT INDEX
-------------
Exhibit 27 Financial Data Schedule
</TEXT
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> JAN-01-1996
<PERIOD-END> SEP-30-1996
<CASH> 275
<INT-BEARING-DEPOSITS> 802
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 69,920
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 171,819
<ALLOWANCE> (1,087)
<TOTAL-ASSETS> 250,465
<DEPOSITS> 161,802
<SHORT-TERM> 43,860
<LIABILITIES-OTHER> 6,907
<LONG-TERM> 6,850
0
0
<COMMON> 15
<OTHER-SE> 31,031
<TOTAL-LIABILITIES-AND-EQUITY> 250,465
<INTEREST-LOAN> 3,276
<INTEREST-INVEST> 1,325
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 4,601
<INTEREST-DEPOSIT> 1,986
<INTEREST-EXPENSE> 2,714
<INTEREST-INCOME-NET> 1,887
<LOAN-LOSSES> 100
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,345
<INCOME-PRETAX> (264)
<INCOME-PRE-EXTRAORDINARY> (264)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (151)
<EPS-PRIMARY> (0.13)
<EPS-DILUTED> (0.13)
<YIELD-ACTUAL> 7.48
<LOANS-NON> 583
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,012
<CHARGE-OFFS> 100
<RECOVERIES> 25
<ALLOWANCE-CLOSE> 1,087
<ALLOWANCE-DOMESTIC> 1,087
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
