BANK WEST FINANCIAL CORP
5, 2000-08-15
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                     U.S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                     FORM 5

               ANNUAL STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

    Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934,
       Section 17(a) of the Public Utility Holding Company Act of 1935 or
               Section 30(f) of the Investment Company Act of 1940

[_]  Check box if no longer  subject to Section 16. Form 4 or Form 5 obligations
     may continue. See Instruction 1(b).

[_]  Form 3 Holdings Reported

[_]  Form 4 Transactions Reported

________________________________________________________________________________
1.   Name and Address of Reporting Person*

 Twardy                            Kevin                     A
--------------------------------------------------------------------------------
   (Last)                         (First)                (Middle)

2185 Three Mile Road, N.W.
--------------------------------------------------------------------------------
                                    (Street)

Grand Rapids,                           MI                  49544
--------------------------------------------------------------------------------
   (City)                            (State)                (Zip)

                   Bank West Financial Corportation ("BWFC")
________________________________________________________________________________
2.   Issuer Name and Ticker or Trading Symbol


                                  ###-##-####
________________________________________________________________________________
3.   IRS Identification Number of Reporting Person, if an Entity (Voluntary)


                                  June 2000
________________________________________________________________________________
4.   Statement for Month/Year


________________________________________________________________________________
5.   If Amendment, Date of Original (Month/Year)


________________________________________________________________________________
6.   Relationship of Reporting Person to Issuer
     (Check all applicable)

     [_]  Director                             [_]  10% Owner
     [X]  Officer (give title below)           [_]  Other (specify below)

     Vice President/CFO
________________________________________________________________________________
7.   Individual or Joint/Group Filing
     (Check applicable line)

     [X]  Form filed by one Reporting Person
     [_]  Form filed by more than one Reporting Person
________________________________________________________________________________

<PAGE>

================================================================================
           Table I -- Non-Derivative Securities Acquired, Disposed of,
                             or Beneficially Owned
================================================================================
<TABLE>
<CAPTION>
                                                                                                 5.             6.
                                                                 4.                              Amount of      Owner-
                                                                 Securities Acquired (A) or      Securities     ship
                                                                 Disposed of (D)                 Beneficially   Form:     7.
                                                                 (Instr. 3, 4 and 5)             Owned at End   Direct    Nature of
                                      2.            3.           -----------------------------   of Issuer's    (D) or    Indirect
1.                                    Transaction   Transaction                  (A)             Fiscal Year    Indirect  Beneficial
Title of Security                     Date          Code             Amount      or     Price    (Instr. 3      (I)       Ownership
(Instr. 3)                            (mm/dd/yy)    (Instr. 8)                   (D)             and 4)         (Instr.4) (Instr. 4)
------------------------------------------------------------------------------------------------------------------------------------
<S>                                   <C>            <C>         <C>             <C>    <C>      <C>            <C>       <C>
Common Stock, par value $.01 per                                                                 964            D
share
------------------------------------------------------------------------------------------------------------------------------------
Common Stock, par value $.01 per                                                                 3,111          I         MRP Trust
share
------------------------------------------------------------------------------------------------------------------------------------
Common Stock, par value $.01 per      6/30/00        A           1,978.679                       9,147.173      I         ESOP Trust
share
------------------------------------------------------------------------------------------------------------------------------------
Common Stock, par value $.01 per      6/30/00        B           36.353**                        1,180.166      I         401(k)
share                                                                                                                     Plan
------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------
** Represents shares purchased
   through a 401(k) Plan.
------------------------------------------------------------------------------------------------------------------------------------

====================================================================================================================================
</TABLE>
*    If the form is filed by more than one  Reporting  Person,  see  Instruction
     4(b)(v).

                                                                          (Over)

<PAGE>


FORM 5 (continued)

Table II -- Derivative Securities Acquired, Disposed of, or Beneficially Owned
         (e.g., puts, calls, warrants, options, convertible securities)

================================================================================
<TABLE>
<CAPTION>
                                                                                                          9.        10.
                                                                                                          Number    Owner-
                                                                                                          of        ship
                    2.                                                                                    Deriv-    of
                    Conver-                    5.                              7.                         ative     Deriv-   11.
                    sion                       Number of                       Title and Amount           Secur-    ative    Nature
                    or                         Derivative    6.                of Underlying     8.       ities     Secur-   of
                    Exer-                      Securities    Date              Securities        Price    Bene-     ity:     In-
                    cise     3.                Acquired (A)  Exercisable and   (Instr. 3 and 4)  of       ficially  Direct   direct
                    Price    Trans-   4.       or Disposed   Expiration Date   ----------------  Deriv-   Owned     (D) or   Bene-
1.                  of       action   Trans-   of (D)        (Month/Day/Year)            Amount  ative    at End    In-      ficial
Title of            Deriv-   Date     action   (Instr. 3,    ----------------            or      Secur-   of        direct   Owner-
Derivative          ative    (Month/  Code     4 and 5)      Date     Expira-            Number  ity      Year      (I)      ship
Security            Secur-   Day/     (Instr.  ------------  Exer-    tion               of      (Instr.  (Instr.   (Instr.  (Instr.
(Instr. 3)          ity      Year)    8)        (A)   (D)    cisable  Date     Title     Shares  5)       4)        4)       4)
------------------------------------------------------------------------------------------------------------------------------------
<S>                 <C>      <C>      <C>       <C>   <C>    <C>      <C>      <C>       <C>     <C>      <C>       <C>      <C>

------------------------------------------------------------------------------------------------------------------------------------
Option to purchase  $6.625                                   11/1/96  11/1/05  Common    13,500  $0.00    13,500    D
common stock                                                                   Stock
------------------------------------------------------------------------------------------------------------------------------------
Option to purchase  $7.167                                   12/20/97 12/20/06 Common    22,500  $0.00    22,500    D
common stock                                                                   Stock
------------------------------------------------------------------------------------------------------------------------------------
Option to purchase  $11.375                                  9/2/98   9/2/07   Common    15,000  $0.00    15,000    D
common stock                                                                   Stock
------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------

====================================================================================================================================
</TABLE>
Explanation of Responses:



   /s/ Kevin A. Twardy                                  August 15, 2000
--------------------------------------                -------------------
  **Signature of Reporting Person                            Date



**    Intentional   misstatements  or  omissions  of  facts  constitute  Federal
      Criminal Violations.

      See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually  signed.  If
      space provided is insufficient, see Instruction 6 for Procedure.

Potential persons who are to respond to the collection of information  contained
in this form are not  required to respond  unless the form  displays a currently
valid OMB number.


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