SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
(Mark one)
[x] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT
OF 1934 [FEE REQUIRED]
For the fiscal year ended: December 31, 1995
OR
[ ] TRANSACTION REPORT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF
1934 [NO FEE REQUIRED]
For the transition period from ______________ to __________________
Commission file number ________________________________________
A. Full title of the plan and the address of the plan, if different from
that of the issuer named below:
JEFFERSON BANK CASH OR DEFERRED SAVINGS PLAN
B. Name of the issuer of the securities held pursuant to the plan and the
address of its principal executive office:
JEFFBANKS, INC.
1609 WALNUT STREET
PHILADELPHIA, PA 19103
SIGNATURES
The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934,
the trustees (or other persons who administer the employee benefit plan) have
duly caused this annual report to be signed on its behalf by the undersigned
hereunto duly authorized.
JEFFERSON BANK CASH OR DEFERRED SAVINGS PLAN
(Name of Plan)
Date July 11, 1996 /s/ Paul Frenkiel
(Signature)
Consent of Independent Certified Public Accountants
We have issued our report dated July 1, 1996 accompanying the financial
statements and schedules incorporated by reference or included in the Annual
Report of Jefferson Bank Cash or Deferred Savings Plan on Form 11-K for the year
ended December 31, 1995. We hereby consent to the incorporation by reference of
said report in the Registration Statement of JeffBanks, Inc. (Formerly State
Bancshares, Inc.) on Form S-8 (File No. 33-80654, effective June 23, 1994).
/s/ Grant Thornton LLP
GRANT THORNTON LLP
Philadelphia, PA
July 8, 1996
As permitted, the audited financial statements are being filed in paper under
Form SE.
