<PAGE>
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
AMENDMENT NO. 1
FORM 10-Q/A
[x] QUARTERLY REPORT PURSUANT TO SECTION 13 OR
15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the Quarterly Period Ended MARCH 31, 1998
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: 0-23146
REDFED BANCORP INC.
(Exact name of registrant as specified in its charter)
DELAWARE 33-0588105
(State or other jurisdiction of (I.R.S. employer
incorporation or organization) identification no.)
300 EAST STATE STREET, REDLANDS, CALIFORNIA 92373
(Address of principal executive offices) (Zip code)
Registrant's telephone number, including area code: (909) 793-2391
Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 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 filing requirements
for the past 90 days.
[x] YES [_] NO
The Registrant had 7,520,300 shares of common stock outstanding at March 31,
1998.
<PAGE>
ITEM 3. Qualitative and Quantitative Disclosures about Market Risk
-----------------------------------------------------------
Readers should refer to the qualitative and quantitative disclosures (consisting
primarily of interest rate risk) in the Company's 1997 Form 10-K, as there has
been no significant change in these disclosures during the quarter ended March
31, 1998.
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
Dated: May 15, 1998 RedFed Bancorp Inc.
By: /s/ Anne Bacon
-------------------------------
Anne Bacon
President and
Chief Executive Officer
By: /s/ David C. Gray, CPA
-------------------------------
David C. Gray, CPA
Treasurer and
Chief Financial Officer
3
