SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Information Statement Pursuant to Rule 13d-1 and 13d-2
Under the Securities Exchange Act of 1934
(Amendment No. 2)*
CAMERON FINANCIAL CORPORATION
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(Name of Issuer)
Common Stock, $.01 par value per share
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(Title of Class of Securities)
133425 10 8
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(CUSIP Number)
*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
<PAGE>
CUSIP NO. 133425 10 8 PAGE 2 OF 5 PAGES
1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Cameron Financial Corporation
Employee Stock Ownership Trust
IRS ID No. 37-1339835
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
(A) / / (B) / /
3 SEC USE ONLY
4 CITIZENSHIP OR PLACE OF ORGANIZATION
Missouri
5 SOLE VOTING POWER
158,968
Number of shares
beneficially owned 6 SHARED VOTING POWER
by each reporting
person with 81,818
7 SOLE DISPOSITIVE POWER
240,786
8 SHARES DISPOSITIVE POWER
0
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
240,786
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
SHARES* / /
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
9.4% of 2,564,405 shares of Common Stock outstanding as of
December 31, 1997.
12 TYPE IN REPORTING PERSON*
EP
<PAGE>
CUSIP NO. 133425 10 8 PAGE 3 OF 5 PAGES
Item 1(a). Name of Issuer:
Cameron Financial Corporation
Item 1(b) Address of Issuer's Principal Executive Offices:
1304 N Walnut Street
Cameron, Missouri 64429
Item 2(a). Name of Person Filing:
Cameron Financial Corporation
Employee Stock Ownership Trust
Trustee: First Bankers Trust Company, N.A.
Item 2(b). Address of Principal Business Office:
Broadway at 12th Street
Quincy, Illinois 62305
Item 2(c). Citizenship or Place of Organization:
Missouri
Item 2(d). Title of Class of Securities:
Common Stock, par value $.01 per share
Item 2(e). CUSIP Number:
133425 10 8
Item 3. Statement is Filed Pursuant To Rule 13d-1(b):
This person is an Employee Benefit Plan, Pension Fund
which is subject to the provisions of the Employee
Retirement Income Security Act of 1974; see
13d-1(b)(1)(ii)(F).
Item 4. Ownership:
As of December 31, 1997, the reporting person
beneficially owned 240,786 shares of the Issuer. This
number of shares represents 9.4% of the common
stock, par value $.01 per share, of the Issuer,
based upon 2,564,405 shares of such common stock
outstanding as of December 31, 1997. As of December
31, 1997, the reporting person has sole power to vote
or to direct the vote of 158,968 shares and shared
power to vote or to direct the vote of 81,818 shares.
The reporting person has sole power to dispose or to
direct the disposition of 240,786 shares of common
stock.
<PAGE>
CUSIP NO. 133425 10 8 PAGE 4 OF 5 PAGES
Item 5. Ownership of Five Percent or Less of a Class:
Not applicable
Item 6. Ownership of More Than Five Percent on Behalf of
Another Person:
Not applicable
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:
The reporting person is an employee benefit plan
subject to the provisions of the Employee Retirement
Income Security Act of 1974.
Item 9. Notice of Dissolution of Group:
Not applicable
Item 10. Certification:
By signing below I certify that, to the best of my
knowledge and belief, the securities referred to
above were acquired in the ordinary course of
business and were not acquired for the purpose of and
do not have the effect of changing or influencing the
control of the Issuer of such securities and were not
acquired in connection with or as a participant in
any transaction having such purposes or effect.
<PAGE>
CUSIP NO. 133425 10 8 PAGE 5 OF 5 PAGES
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.
Date: February 12, 1998 First Bankers Trust Company, N.A., as
Trustee for the Cameron Financial
Corporation Employee Stock
Ownership Trust
/s/ Carmen Walch
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Carmen Walch
Trust Officer
