SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-K405\A
(Mark One)
AMENDMENT TO ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
[X] SECURITIES EXCHANGE ACT OF 1934 [FEE REQUIRED]
For the fiscal year ended September 30, 1995
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- or -
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
[ ] EXCHANGE ACT OF 1934 [NO FEE REQUIRED]
For the transition period from to
Commission Number: 0-24648
FSF FINANCIAL CORP.
(Exact name of Registrant as specified in its Charter)
Minnesota 41-1783064
(State or other jurisdiction of incorporation (I.R.S. Employer
or organization) Identification No.)
201 Main Street South, Hutchinson, Minnesota 55350-2573
(Address of principal executive offices) Zip Code
Registrant's telephone number, including area code: (612) 234-4501
Securities registered pursuant to Section 12(b) of the Act: None
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Securities registered pursuant to Section 12(g) of the Act:
Common Stock, par value $.10 per share
(Title of Class)
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 such
filing requirements for the past 90 days. YES X NO
Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K (ss.229.405 of this chapter) is not contained herein, and
will not be contained, to the best of registrant's knowledge, in definitive
proxy or information statements incorporated by reference in Part III of this
Form 10-K or any amendment to this Form 10-K. [X]
The aggregate market value of the voting stock held by non-affiliates of
the Registrant, based on the average bid price of the Registrant's Common Stock
as quoted on the National Association of Securities Dealers, Inc., Automated
Quotations National Market on May 1, 1996, was $39,079,955 (3,095,442 shares at
$12.625 per share).
As of May 1, 1995 there were issued and outstanding 3,425,596 shares of
the Registrant's Common Stock.
DOCUMENTS INCORPORATED BY REFERENCE
1. Portions of the Annual Report to Stockholders for the Fiscal Year Ended
September 30, 1994. (Parts I, II and IV)
2. Portions of the Proxy Statement for the 1994 Annual Meeting of
Stockholders. (Part III)
<PAGE>
PART II
Item 8. Financial Statements and Supplementary Data.
Independent Auditor's Reports - Previous Auditor
<PAGE>
McGLADREY & PULLEN, LLP
Certified Public Accountants and Consultants
INDEPENDENT AUDITOR'S REPORT
To the Board of Directors
First Federal Savings and Loan
Association of Hastings
Hastings, Minnesota
We have audited the statements of income, retained earnings, and cash flows of
First Federal Savings and Loan Association of Hastings for the year ended
September 30, 1993. These financial statements are the responsibility of the
Association's management. Our responsibility is to express an opinion on these
financial statements based on our audit.
We conducted our audit in accordance with generally accepted auditing standards.
Those standards require that we plan and perform the audit to obtain reasonable
assurance about whether the financial statements are free of material
misstatement. An audit includes examining, on a test basis, evidence supporting
the amounts and disclosures in the financial statements. An audit also includes
assessing the accounting principles used and significant estimates made by
management, as well as evaluating the overall financial statement presentation.
We believe that our audit provides a reasonable basis for our opinion.
In our opinion, the financial statements referred to above (not presented
separately herein) present fairly, in all material respects, the results of
operations and cash flows of First Federal Savings and Loan Association of
Hastings for the year ended September 30, 1993, in conformity with generally
accepted accounting principles.
McGLADREY & PULLEN, LLP
Rochester, Minnesota
October 29, 1993
<PAGE>
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) 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.
FSF FINANCIAL CORP.
By: \s\ Donald A. Glas
Donald A. Glas
Co-Chair of the Board and Chief
Executive Officer
(Principal Executive Officer)
Date: May 9, 1996
By: \s\ Richard H. Burgart
Richard H. Burgart
Chief Financial Officer and
Treasurer
(Principal Financial and
Accounting Officer)
Date: May 9, 1996
