FORM 10-QSB
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
QUARTERLY REPORT UNDER SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 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 0-22838
______________________
SENTINEL FINANCIAL CORPORATION
_________________________________
DELAWARE 43-1656550
_______________ _____________
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)
1001 Walnut, Kansas City, Missouri 64106
_______________________________________ __________
(Address of Principal executive offices) (Zip Code)
Registrant's telephone number, including area code .. (816) 474-9800
________________
Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 and 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
_____ ____.
Indicate the number of shares outstanding of each of the issuer's classes
of common stock, as of May 14, 1996 $.01 par value 492,294 common
shares. _____________ _________<PAGE>
SENTINEL FINANCIAL CORPORATION
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed by the undersigned
thereunto duly authorized.
Sentinel Financial Corporation
(Registrant)
Date: By:
Craig Laemmli
President
Chief Executive Officer
Date: By:
John C. Spencer
Executive Vice President
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<ARTICLE> 9
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-END> MAR-31-1996
<CASH> 709,000
<INT-BEARING-DEPOSITS> 3,558,812
<FED-FUNDS-SOLD> 50,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 1,093,125
<INVESTMENTS-CARRYING> 57,423,140
<INVESTMENTS-MARKET> 57,268,234
<LOANS> 81,321,335
<ALLOWANCE> 318,000
<TOTAL-ASSETS> 148,725,564
<DEPOSITS> 125,558,567
<SHORT-TERM> 10,000,000
<LIABILITIES-OTHER> 1,645,543
<LONG-TERM> 0
0
0
<COMMON> 5,134
<OTHER-SE> 11,516,320
<TOTAL-LIABILITIES-AND-EQUITY> 148,725,564
<INTEREST-LOAN> 1,639,895
<INTEREST-INVEST> 1,016,862
<INTEREST-OTHER> 37,403
<INTEREST-TOTAL> 2,694,160
<INTEREST-DEPOSIT> 1,679,600
<INTEREST-EXPENSE> 1,736,292
<INTEREST-INCOME-NET> 957,868
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,241,100
<INCOME-PRETAX> (145,556)
<INCOME-PRE-EXTRAORDINARY> 512,171
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 512,171
<EPS-PRIMARY> 1.04
<EPS-DILUTED> 1.04
<YIELD-ACTUAL> 7.38
<LOANS-NON> 0
<LOANS-PAST> 84,884
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 318,000
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 318,000
<ALLOWANCE-DOMESTIC> 116,472
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 201,528
</TABLE>
