<PAGE>
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
----------------------
FORM 11-K/A
ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the Period Ended December 31, 1996
Commission File No.: 0-23146
----------------------
REDFED BANCORP INC.
(Exact Name of Issuer as Specified in its Charter)
Delaware 33-0588105
(State of Incorporation) (IRS Employer Identification No.)
300 East State Street, Redlands, California 92373
(Address of Principal Executive Offices)
------------------------
Redlands Federal Bank
Employee 401(k) Savings Plan
(Formerly Redlands Federal Bank Employee Profit Sharing Plan)
(Full Title of the Plan)
------------------------------
[X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF
1934. For the fiscal year ended December 31, 1996.
[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT
- OF 1934 [NO FEE REQUIRED].
For the transition period ________________ to ______________.
Anne Bacon Copies to:
President and Chief Executive Officer James R. Walther, Esq.
RedFed Bancorp Inc. Mayer, Brown & Platt
300 East State street 350 South Grand Avenue
Redlands, California 92373 25th Floor
(909) 335-3551 Los Angeles, CA 90071-1503
(Name, Address and Telephone (213) 229-9500
Number of Agent for Service)
<PAGE>
SIGNATURE
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.
Dated: June 27, 1997 Redlands Federal Bank
Employee 401(k) Savings Plan
By: /s/ William T. Hardy, Jr.
---------------------------
William T. Hardy, Jr.
Plan Administrator