WESTERN FIDELITY FUNDING INC
NT 10-K, 1996-03-28
PERSONAL CREDIT INSTITUTIONS
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     RULE  901(d)  OF REGULATION S-T.
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 12b-25

                           NOTIFICATION OF LATE FILING

                                 SEC FILE NUMBER
                                     0-27156

                                  CUSIP NUMBER
                                   958176 10 9

(Check One:)     /X/ Form  10-K / / Form  20-F / / Form  11-K
                / /  Form 10-Q / / Form N-SAR

         For Period Ended:  December 31, 1995

         / / Transition Report on Form 10-K / / Transition Report on Form 20-F /
         / Transition Report on Form 11-K / / Transition Report on Form 10-Q / /
         Transition Report on Form N-SAR For the Transition Period Ended:
                      ----------------------------

READ INSTRUCTION (ON BACK PAGE) BEFORE PREPARING FORM.  PLEASE PRINT OR TYPE.

NOTHING  IN THIS  FORM  SHALL BE  CONSTRUED  TO IMPLY  THAT THE  COMMISSION  HAS
VERIFIED ANY INFORMATION CONTAINED HEREIN.

If the notification relates to a portion of the filing check above, identify the
Item(s) to which the notification relates:

PART I -- REGISTRANT INFORMATION

Full Name of Registrant

         Western Fidelity Funding, Inc.

Former Name if Applicable--N/A

Address of Principal Executive Office (State and Number)

         4704 Harlan Street, Suite 260
         Denver, Colorado 80212

PART II -- RULES 12b-25(b) AND (c)

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 box if appropriate)

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

/X/  (b)  The subject annual report,  semi-annual  report,  transition report on
          Form 10-K, Form 20-F,  11-K  or Form N-SAR,  or portion thereof,  will
          be filed  on or  before  the  fifteenth  calendar  day  following  the
          prescribed  due date;  or the subject  quarterly  report or transition
          report on Form 10-Q, or portion thereof will be filed on or before the
          fifth calendar day following the prescribed due date; and

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

PART III -- NARRATIVE

State below in reasonable  detail the reasons why the Form 10-K, 20-F, 11-K, 10-
Q, N-SAR, or the transition report or portion thereof, could not be filed within
the prescribed time period.
  
     Registrant has not previously  prepared an Annual Report on Form 10-K as it
only recently  became  subject to the reporting  requirements  of the Securities
Exchange  Act of  1934.  Accordingly,  Registrant  requires  additional  time to
compile the information necessary to prepare its Annual Report on Form 10-K.
     
<PAGE>
PART IV -- OTHER INFORMATION

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

         Marya L. Brancio            303                       477-8404
         (Name)                  (Area Code)              (Telephone Number)

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

         / X /  Yes   /   /  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?

         /   /  Yes   / X /  No

          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.

          

- -------------------------------------------------------------------------------

                         Western Fidelity Funding, Inc.
                  (Name of Registrant as Specified in Charter)
has caused this notification to be signed on its behalf by the undersigned
thereunto duly authorized.


                                           /s/ Gene E. Osborn                 
Date: March 27, 1996                    By --------------------------
                                           Gene E. Osborn, President
                                           

     INSTRUCTION:  The  form  may  be  signed  by an  executive  officer  of the
registrant or by any other duly authorized representative. The name and title of
the person signing the form shall be typed or printed beneath the signature.  If
the  statement  is  signed  on  behalf  of  the   registrant  by  an  authorized
representative   (other   than   an   executive   officer),   evidence   of  the
representative's  authority to sign on behalf of the  registrant  shall be filed
with the form.

                                    ATTENTION
            INTENTIONAL MISSTATEMENTS OR OMISSIONS OF FACT CONSTITUTE
                FEDERAL CRIMINAL VIOLATIONS (SEE 18 U.S.C. 1001).

                              GENERAL INSTRUCTIONS

1.   This Form is  required by Rule  12b-25 (17 CFR  240.12b-25)  of the General
     Rules and Regulations under the Securities Exchange Act of 1934.

2.   One signed  original and four conformed  copies of this Form and amendments
     thereto  must be  complected  and filed with the  Securities  and  Exchange
     Commission,  Washington,  D. C. 20549,  in accordance  with Rule 0-3 of the
     General Rules and Regulations  under the Act. The information  contained in
     or filed  with  the Form  will be made a matter  of  public  record  in the
     Commission files.

3.   A manually  signed copy of the Form and  amendments  thereto shall be filed
     with each national  securities exchange on which any class of securities of
     the registrant is registered.

4.   Amendments to the notification  must also be filed  on Form 12b-25 but need
     not restate information that has been correctly  furnished.  The Form shall
     be clearly identified as an amended notification.

5.   ELECTRONIC  FILERS.  This Form shall not be used by electronic files unable
     to timely  file a report  solely  due to  electronic  difficulties.  Filers
     unable  to  submit  a  report  within  the time  period  prescribed  due to
     difficulties in electronic filing should comply with either Rule 210 or 202
     of Regulation S-T (Section  232.201 or Section  232.202 of this chapter) or
     apply for an adjustment in filing date pursuant to Rule 13(b) of Regulation
     S-T (Section 232.13(b) of this chapter).


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