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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
(Rule 13d-102)
INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
TO RULES 13d-1(b) (c), AND (d) AND AMENDMENTS THERETO FILED
PURSUANT TO RULE 13d-2(b)
(Amendment No. __) *
First Federal Bancorporation
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(Name of Issuer)
Common Stock
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(Title of Class of Securities)
319979100
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(CUSIP Number)
November 21, 1999
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(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to
which this Schedule is filed:
[ ] Rule 13d-1(b)
[x] Rule 13d-1(c)
[ ] Rule 13d-1(d)
* 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 the
disclosures provided in a prior cover page.
The information required in 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 ("Act") 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).
Page 1 of 5 pages
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CUSIP NO. 319979100 13G PAGE 2 OF 5 PAGES
1. NAMES OF REPORTING PERSONS: William R. Belford
I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
###-##-####
2. CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
(b) [ ]
3. SEC USE ONLY
4. CITIZENSHIP OR PLACE OF ORGANIZATION
United States
NUMBER OF SHARES BENEFICIALLY OWNED BY EACH REPORTING PERSON
WITH
5. SOLE VOTING POWER 155,648
6. SHARED VOTING POWER 13,149
7. SOLE DISPOSITIVE POWER 155,648
8. SHARED DISPOSITIVE POWER 13,149
9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
PERSON 168,797
10. CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES* [ ]
11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9 11.20
12. TYPE OF REPORTING PERSON* IN
*SEE INSTRUCTION BEFORE FILLING OUT!
CUSIP NO. 319979100 13G PAGE 3 OF 5 PAGES
Securities and Exchange Commission
Washington, D.C. 20549
ITEM 1(a) NAME OF ISSUER.
First Federal Bancorporation
ITEM 1(a) ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES.
214 5th Street
Bemidji, Minnesota 56601
ITEM 2(a) NAME OF PERSON(S) FILING.
William R. Belford
ITEM 2(b) ADDRESS OF PRINCIPAL BUSINESS OFFICE.
Same as Item 1(b).
ITEM 2(c) CITIZENSHIP.
United States
ITEM 2(d) TITLE OF CLASS OF SECURITIES.
Common Stock, par value $.01 per share per share.
ITEM 2(E) CUSIP NUMBER.
319979100
ITEM 3. IF THIS STATEMENT IS FILED PURSUANT TO RULE 13D-
1(b), OR 13D-2(b) OR (c), CHECK WHETHER THE PERSON
FILING IS A:
Not applicable.
ITEM 4. OWNERSHIP.
(a) Amount Beneficially Owned: 168,797
(b) Percent of Class: 11.20
(c) Number of shares as to which such person has:
(i) Sole power to vote or to direct the vote:
155,648
(ii) Shared power to vote or direct the vote:
13,149
(iii) Sole power to dispose or to direct the
disposition of: 155,648
(iv) Shared power to dispose or to direct the
disposition of: 13,149
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CUSIP NO. 319979100 13G PAGE 4 OF 5 PAGES
ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
If this statement is being filed to report the fact that
as of the date hereof the reporting person has ceased to be the
beneficial owner of more than five percent of the class of
securities, check the following: [ ]
ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF
ANOTHER PERSON.
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.
ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY
WHICH ACQUIRED THE SECURITY BEING REPORTED ON BY THE
PARENT HOLDING COMPANY.
Not applicable.
ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE
GROUP.
Not applicable.
ITEM 9. NOTICE OF DISSOLUTION OF GROUP.
Not applicable.
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CUSIP NO. 319979100 13G PAGE 5 OF 5 PAGES
ITEM 10. CERTIFICATION.
By signing below I certify that, to the best of my
knowledge and belief, the securities referred to above were
acquired and are held in the ordinary course of business and
were not acquired and are not held for the purpose of or with
the effect of changing or influencing the control of the issuer
of the securities and were not acquired and are not held in
connection with or as a participant in any transaction having
that purpose or effect.
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.
/s/ William R. Belford December 27, 1999
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William R. Belford, as Individual Date
Stockholder
