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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
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SCHEDULE 13D
(Rule 13d-101)
INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO 13d-
1(a) AND AMENDMENTS THERETO FILED PURSUANT TO 13d-2(a)
(AMENDMENT NO. _____)1
CKF BANCORP, INC.
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(Name of Issuer)
Common Stock, par value $.01 per share
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(Title of Class of Securities)
12561J 10 4
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(CUSIP Number)
W. Irvine Fox
One Charleston Greene
Danville, Kentucky 40422
(606) 326-7527
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(Name, Address and Telephone Number of Person
Authorized to Receive Notices and Communications)
February 14, 2000
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(Date of Event Which Requires Filing of This Statement)
If the filing person has previously filed a statement on
Schedule 13G to report the acquisition which is the subject of
this Schedule 13D, and is filing this schedule because of Rule
13d-1(e), 13d-1(f) or 13d-1(g), check the following box. [ ]
(Continued on following pages)
Page 1 of 6 pages
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1 The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to
the subject class of securities, and for any subsequent
amendment containing information which would alter disclosures
provided in a prior cover page.
The information required on the remainder of this cover page
shall not be deemed to be "filed" for the purpose of Section
18 of the Securities Exchange Act of 1934 or otherwise subject
to the liabilities of that section of the Act but shall be
subject to all other provisions of the Act (however, see the
Notes).
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SCHEDULE 13D
CUSIP No. 12561J 10 4 Page 2 of 6 Pages
1. Names of reporting person
I.R.S. Identification Nos. of above persons (entities only):
W. Irvine Fox
2. Check the appropriate box if a member of a group:
(a) [ ]
(b) [ ]
3. SEC use only:
4. Sources of funds: PF
5. Check box if disclosure of legal proceedings is
required pursuant to Items 2(d) or 2(e): [ ]
6. Citizenship or place of organization: United States
Number of 7. Sole Voting Power: 33,400 *
shares
beneficially 8. Shared Voting Power: 7,500
owned by
each 9. Sole Dispositive Power: 33,400 *
reporting
person with 10. Shared Dispositive Power: 7,500
11. Aggregate amount beneficially owned by each reporting
person:
40,900
12. Check box if the aggregate amount in Row (11)
excludes certain shares: [X] **
13. Percent of class represented by amount in Row (11):
5.08% ***
14. Type of reporting person: IN
* The amount shown includes 2,700 shares which may be acquired
by Mr. Fox upon the exercise of options exercisable within
60 days of the date hereof.
** The reporting person disclaims beneficial ownership of 75,766
shares held by CKF Bancorp, Inc. Employee Stock Ownership
Plan Trust and 59,600 shares held by the CKF Bancorp, Inc.
Incentive Plan Trust, over which shares Mr. Fox shares voting
and dispositive power.
*** Assumes all 2,700 shares subject to option exercisable
within 60 days have been exercised.
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Item 1. Security and Issuer.
The class of equity security to which this statement
relates is the common stock, par value $.01 per share (the
"Common Stock"), of CKF Bancorp, Inc. (the "Issuer"). The
executive office of the Issuer is located at 340 West Main
Street, Danville, Kentucky 40422.
Item 2. Identity and Background.
(a) Name: W. Irvine Fox
(b) Residence or Business Address: One Charleston Greene
Danville, Kentucky 40422
(c) Present Principal Occupation: Real estate developer
and Chairman of the Board of the Issuer
(d) Criminal Proceeding Convictions: None
(e) Securities Laws Proceedings: None
(f) Citizenship: United States
Item 3. Source and Amount of Funds or Other Consideration.
30,700 of 40,900 shares of Common Stock were purchased by
the reporting person with approximately $339,400 in personal
funds. The remaining shares consist of (i) 7,500 shares
beneficially owned by the reporting person's family, and (ii)
2,700 shares that may be acquired upon the exercise of options
held by the reporting person and that are exercisable within 60
days of the date hereof.
Item 4. Purpose of Transaction.
The shares covered by this statement were acquired for
investment. Depending upon a continuing assessment and upon
future developments, the reporting person may determine, from
time to time or at any time, to purchase additional shares of
the Issuer for investment or dispose of shares of the Issuer's
Common Stock. As Chairman of the Board of the Issuer, the
reporting person regularly explores potential actions and
transactions which may be advantageous to the Issuer, including
possible mergers, acquisitions, reorganizations or other material
changes in the business, corporate structure, management
policies, governing instruments, securities or regulatory or
reporting obligations of the Issuer. Except as noted above, the
reporting person has no plans or proposals which relate to or
would result in:
(a) The acquisition by any person of additional securities of
the Issuer, or the disposition of securities of the Issuer;
(b) An extraordinary corporate transaction, such as merger,
reorganization or liquidation, involving the Issuer or any
of its subsidiaries;
(c) A sale or transfer of a material amount of assets of the
Issuer or any of its subsidiaries;
(d) Any change in the present Board of Directors or management
of the Issuer, including any plans or proposals to change
the number or term of directors or to fill any existing
vacancies on the Issuer's Board of Directors;
(e) Any material change in the present capitalization or
dividend policy of the Issuer;
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(f) Any other material change in the Issuer's business or
corporate structure;
(g) Changes in the Issuer's Certificate of Incorporation, Bylaws
or instruments corresponding thereto or other actions which
may impede the acquisition of control of the Issuer by any
person;
(h) Causing a class of securities of the Issuer to be delisted
from a national securities exchange or to cease to be
authorized to be quoted in an inter-dealer quotation system
of a registered national securities association;
(i) A class of equity securities of the Issuer becoming
eligible for termination of registration pursuant to
Section 12(g)(4) of the Securities Exchange Act of 1934;
or
(j) Any action similar to any of those enumerated above.
Item 5. Interest in Securities of the Issuer.
(a) As of the date of this Schedule 13D, the reporting person
beneficially owned 40,900 shares, or 5.08%, of the Issuer's
outstanding shares of Common Stock, assuming the reporting
person exercises all options to acquire shares of Common
Stock that are exercisable within 60 days of the date
hereof. The reporting person disclaims beneficial ownership
of 75,766 shares held by CKF Bancorp, Inc. Employee Stock
Ownership Plan Trust and 59,600 shares held by the CKF
Bancorp, Inc. Incentive Plan Trust, over which shares Mr.
Fox shares voting and dispositive power.
(b) The reporting person has sole voting and dispositive power
with respect to 30,700 shares and with respect to 2,700
shares the reporting person has the right to acquire upon
the exercise of options exercisable within 60 days of the
date hereof. The reporting person exercises shared voting
and dispositive power with respect to 7,500 shares owned by
Hazel M. Fox, the reporting person's spouse, whose address
is the same as that of the reporting person (as disclosed at
Item 2(b) above). She is a housewife and has not during the
last five years been convicted in a criminal proceeding
(excluding traffic violations or similar misdemeanors), has
not in the last five years been a party to a civil
proceeding of a judicial or administrative body of a
competent jurisdiction and was or is not subject to a
judgement, decree or final order enjoining future violations
of, or prohibiting or mandating activities subject to,
Federal or State securities laws or finding any violation
with respect to such laws, and is a United States citizen.
(c) No transactions in the Issuer's Common Stock were effected
by the reporting person during the past 60 days, except that
on December 8, 1999, the reporting person purchased 500
shares of Common Stock in the open market at a price of
$12.875 per share, and on December 9, 1999, the reporting
person purchased 500 shares of Common Stock in the open
market at a price of $13.00 per share.
(d) No other person is known to have the right to receive or
the power to direct the receipt of dividends from, or the
proceeds from the sale of, the shares held by the
reporting person.
(e) Not applicable.
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Item 6. Contracts, Arrangements, Understandings or
Relationships with Respect to Securities of the Issuer.
There are no contracts, arrangements, understandings or
relationships between the reporting person or any other person
with respect to the Issuer's securities, including but not
limited to the transfer or voting of securities, finder's fees,
joint ventures, loan or option arrangements, puts or calls,
guarantees of profits, division of profits or loss, the giving
or withholding of proxies or otherwise, other than ordinary
arrangements and relationships not specifically related to the
Issuer's securities.
Item 7. Material to be Filed as Exhibits.
None.
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SIGNATURE
After reasonable inquiry and to the best of my knowledge
and belief, I certify that the information set forth in this
statement is true, complete and correct.
February 17, 2000 /s/ W. Irvine Fox
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Date Signature
W. Irvine Fox
Chairman of the Board of
CKF Bancorp, Inc.
