<PAGE>
<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q/A
[X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended December 31, 1997
OR
[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Commission File No. 0-20956
HFB FINANCIAL CORPORATION
A Tennessee Corporation I.R.S. Employer
Identification No.
61-1228266
Address Telephone Number
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1602 Cumberland Avenue (606) 248-1095
Middlesboro, Kentucky 40965
Indicate by check mark whether the registrant (1) has filed all
reports required by Section 13 or 15(d) of the Securities and
Exchange Act of 1934 during the preceding twelve 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 [ ]
The number of shares of the registrant's $1 par value common
stock outstanding at December 31, 1997 was 1,083,626.
There are a total of 18 pages filed in this document.<PAGE>
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HFB FINANCIAL CORPORATION
Signatures
Pursuant to the requirements of the Securities Exchange Act of
1934, the registrant has duly caused this report to be signed in
its behalf by the undersigned, thereunto duly authorized.
HFB FINANCIAL CORPORATION
By: /s/ David B. Cook
-----------------------
David B. Cook
President and
Chief Executive Officer
By: /s/ Stanley Alexander, Jr.
--------------------------
Stanley Alexander, Jr.
Chief Financial Officer
Dated: February 18, 1998
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1998
<PERIOD-START> JUL-01-1997
<PERIOD-END> DEC-31-1997
<CASH> 5,014,345
<INT-BEARING-DEPOSITS> 2,050,501
<FED-FUNDS-SOLD> 100,000
<TRADING-ASSETS> 1,085,200
<INVESTMENTS-HELD-FOR-SALE> 26,050,140
<INVESTMENTS-CARRYING> 18,816,975
<INVESTMENTS-MARKET> 18,841,023
<LOANS> 110,632,365
<ALLOWANCE> 846,095
<TOTAL-ASSETS> 165,548,869
<DEPOSITS> 137,401,924
<SHORT-TERM> 8,500,000
<LIABILITIES-OTHER> 1,656,195
<LONG-TERM> 691,769
<COMMON> 4,881,395
0
0
<OTHER-SE> 12,416,886
<TOTAL-LIABILITIES-AND-EQUITY> 165,548,869
<INTEREST-LOAN> 4,780,783
<INTEREST-INVEST> 1,471,669
<INTEREST-OTHER> 85,020
<INTEREST-TOTAL> 6,337,472
<INTEREST-DEPOSIT> 3,254,719
<INTEREST-EXPENSE> 3,514,498
<INTEREST-INCOME-NET> 2,822,974
<LOAN-LOSSES> 135,927
<SECURITIES-GAINS> 8,877
<EXPENSE-OTHER> 1,831,569
<INCOME-PRETAX> 1,323,721
<INCOME-PRE-EXTRAORDINARY> 1,323,721
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 789,427
<EPS-PRIMARY> 0.73
<EPS-DILUTED> 0.71
<YIELD-ACTUAL> 3.62
<LOANS-NON> 0
<LOANS-PAST> 327,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,300,000
<ALLOWANCE-OPEN> 710,168
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 846,095
<ALLOWANCE-DOMESTIC> 295,808
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 550,287
</TABLE>
