GUTHRIE SAVINGS INC
15-12G, 1999-10-19
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                     FORM 15

   Certification and Notice of Termination of Registration under Section 12(g)
      of the Securities Exchange Act of 1934 or Suspension of Duty to File
  Reports Under Sections 13 and 15(d) of the Securities Exchange Act of 1934.

                         Commission File Number: 0-24468

                              GUTHRIE SAVINGS, INC.
             (Exact name of registrant as specified in its charter)

                               120 North Division
                             Guthrie, Oklahoma 73044
                                 (405) 282-2201
    (Address, including zip code, and telephone number, including area code,
                  of registrant's principal executive offices)

                     Common Stock, par value $0.01 per share
            (Title of each class of securities covered by this Form)

                                      None
   (Titles of all other classes of securities for which a duty to file reports
                      under section 13(a) or 15(d) remains)

     Please  place  an X in  the  box(es)  to  designate  the  appropriate  rule
provision(s) relied upon to terminate or suspend the duty to file reports.

        Rule 12g-4(a)(1)(i)   [X]                   Rule 12h-3(b)(1)(ii)  [  ]
        Rule 12g-4(a)(1)(ii)  [  ]                  Rule 12h-3(b)(2)(i)   [  ]
        Rule 12g-4(a)(2)(i)   [  ]                  Rule 12h-3(b)(2)(ii)  [  ]
        Rule 12g-4(a)(2)(ii)  [  ]
        Rule 12h-3(b)(1)(i)   [  ]                  Rule 15d-6            [  ]

     Approximate  number of holders of record as of the  certification or notice
date: One.

     Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,
Guthrie  Savings,  Inc. has caused this  certificate/notice  to be signed on its
behalf by the undersigned duly authorized person.



DATE: October 15, 1999               By: /s/ William L. Cunningham
                                         ---------------------------------------
                                         William L. Cunningham
                                         President and Chief Executive Officer





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