UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
Form 10-QSB/A
[x] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended July 31, 1996
[ ] 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 0-25096
HORIZON BANCORP, INC.
(Exact name of small business issuer as specified in its charter)
Texas 74-2412835
(State or other jurisdiction (I.R.S. Employer
of incorporation or organization) Identification No.)
5800 North MoPac, Austin, Texas 78731
(Address of principal executive offices)
(512) 371-0700
(Issuer's telephone number)
Check whether the issuer (1) 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 [ ]
State the number of Shares outstanding of each of the
issuer's classes of common equity, as of the latest practicable
date:
As of October 31, 1996, there were 1,388,757 shares of the
Registrant's common stock issued and outstanding.
Transmitional Small Business Disclosure Format:
Yes [ ] No [x]
SIGNATURES
In accordance with the requirements of the Securities and
Exchange Act of 1934, the Registrant caused this report to be
signed on its behalf by the undersigned, thereunto duly
authorized.
HORIZON BANCORP, INC.
Registrant
Date: November 1, 1996 By: /s/ Douglas B. Kadison
Douglas B. Kadison
President and Chief Executive
Officer
Date: November 1, 1996 By: /s/ Paul A. Antrim
Paul A. Antrim
Executive Vice President and
Chief Financial Officer
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<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> APR-30-1996
<PERIOD-END> JUL-31-1996
<CASH> 4,606,296
<INT-BEARING-DEPOSITS> 14,737,946
<FED-FUNDS-SOLD> 250,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 10,954,223
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 100,735,790
<ALLOWANCE> 729,711
<TOTAL-ASSETS> 140,524,063
<DEPOSITS> 126,564,421
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,330,680
<LONG-TERM> 0
0
0
<COMMON> 13,868
<OTHER-SE> 11,615,094
<TOTAL-LIABILITIES-AND-EQUITY> 140,524,063
<INTEREST-LOAN> 2,786,812
<INTEREST-INVEST> 252,642
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 3,039,454
<INTEREST-DEPOSIT> 604,049
<INTEREST-EXPENSE> 597
<INTEREST-INCOME-NET> 2,434,808
<LOAN-LOSSES> 110,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,232,289
<INCOME-PRETAX> 818,621
<INCOME-PRE-EXTRAORDINARY> 506,968
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 506,968
<EPS-PRIMARY> 0.35
<EPS-DILUTED> 0.32
<YIELD-ACTUAL> 0
<LOANS-NON> 12,065
<LOANS-PAST> 535,030
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 95,234
<ALLOWANCE-OPEN> 671,807
<CHARGE-OFFS> 62,735
<RECOVERIES> 10,639
<ALLOWANCE-CLOSE> 729,711
<ALLOWANCE-DOMESTIC> 729,711
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
