SGV BANCORP INC
NT 11-K, 1996-06-28
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                   FORM 12B-25

                                              Commission File Number  33-90018
                                                                     ----------
                           NOTIFICATION OF LATE FILING
     (Check One): [ ] Form 10-K [ X ] Form 11-K [ ] Form 20-F [ ] Form 10-Q
[ ] Form N-SAR

For Period Ended:       December 31, 1995
                  --------------------------------------------------------------
[ ]  Transition Report on Form 10-K      [ ]  Transition Report on Form 10-Q
[ ]  Transition Report on Form 20-F      [ ]  Transition Report on Form N-SAR
[ ]  Transition Report on Form 11-K
For the Transition Period Ended:
                                 -----------------------------------------------

        Read attached instruction before preparing form. Please print or type.

      Nothing in this form shall be construed to imply that the Commission has
verified any information contained herein.

      If the notification relates to a portion of the filing checked above,
identify the Item(s) to which the notification relates:

      Items 1-4 with respect to the First Federal Savings and Loan Association 
      --------------------------------------------------------------------------
      of San Gabriel Valley Employee Savings and Profit Sharing Plan for the 
      --------------------------------------------------------------------------
      fiscal year ending December 31, 1995.
      --------------------------------------------------------------------------

                        PART I - REGISTRANT INFORMATION

Full name of registrant       First Federal Savings and Loan Association of San
                       --------------------------------------------------------
Gabriel Valley Employee Savings and Profit Sharing Plan
- --------------------------------------------------------------------------------

Former name if applicable

- --------------------------------------------------------------------------------
Address of principal executive office (Street and number)

                 225 North Barranca Street
- --------------------------------------------------------------------------------
City, State and Zip Code    West    Covina,    California    91791
                         -------------------------------------------------------

                        PART II - RULE 12B-25 (B) AND (C)

            If  the  subject   report  could  not  be  filed   without
      unreasonable  effort or expense and the registrant  seeks relief
      pursuant to Rule 12B-25(b),  the following  should be completed.
      (Check appropriate box).

      [ ]   (a) The reasons described in reasonable detail in Part III
            of this form could not be eliminated without  unreasonable
            effort or expense;
      [X]   (b) The   subject   annual   report,  semi-annual  report,
            transition  report on Form 10-K,  Form 20-F,  11-K or Form
            N-SAR, or portion thereof,  will be filed on or before the
            15th calendar day following  the  prescribed  due date; or
            the subject  quarterly report or transition report on Form
            10-Q,  or portion  thereof  will be filed on or before the
            fifth calendar day following the prescribed  due date; and
      [ ]   (c) The accountant's statement  or other exhibit  required
            by Rule 12b-25(c) has been attached if applicable.

                             PART III - NARRATIVE

            State below in reasonable  detail the reasons why the Form
      10-K,  11-K,  20-F,  10-Q,  N-SAR,  or the transition  report or
      portion  thereof,  could not be filed within the prescribed time
      period. (Attach extra sheets if needed.)      See Attachment.



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                             PART III - NARRATIVE

      The First  Federal  Savings and Loan  Association  of San  Gabriel  Valley
Employee   Savings  and  Profit   Sharing   Plan  (the  "Plan")  is  part  of  a
multi-employer plan administered by the California Central Trust Company. A Form
5500,  which includes the Plan financial  statements and schedules,  required by
the Employee  Retirement  Income  Security Act of 1974 ("ERISA") is prepared and
filed on behalf of the Plan. As disclosed in the Form 11-K,  the Plan intends to
file such financial statements and schedules in lieu of the financial statements
required by Items 1-3 as permitted by Item 4.

      As of the date hereof,  such Form 5500 for the fiscal year ending December
31, 1995 is not  available for  submission.  The Plan will file the Form for the
year ended  December 31, 1995 as soon as it is available.  The Plan expects that
the Form 5500 should be available by July 15, 1996.




<PAGE> 3


                          PART IV -- OTHER INFORMATION

  (1) Name and telephone number of person to contact in regard to this 
notification

  Barrett G. Andersen                           (818)              859-4200
- --------------------------------------------------------------------------------
      (Name)                             (Area Code)        (Telephone Number)

  (2) Have all other  periodic reports required under Section 13 or 15(d) of the
Securities  Exchange Act of 1934 or Section 30 of the Investment  Company Act of
1940  during  the  preceding  12  months  or for such  shorter  period  that the
registrant  was  required to file such  report(s)  been filed?  If answer is no,
identify report(s).
                                                    [ x ]  Yes    [  ]  No
  (3) Is it anticipated  that any  significant  change in results of operations
from the corresponding  period for the last fiscal year will be reflected by the
earnings statements to be included in the subject report or portion thereof?
                                                [   ]   Yes   [ x ]  No
  If so:  attach an explanation of the anticipated  change, both narratively and
quantitatively, and, if appropriate, state the reasons why a reasonable estimate
of the results cannot be made.
                                  SGV BANCORP, INC.
- --------------------------------------------------------------------------------
             (Name of Registrant as Specified in Charter)
Has  caused  this  notification  to be  signed  on its  behalf  by the
undersigned thereunto duly authorized.
Date  June 28, 1996             By /s/ Barrett G. Andersen
      ---------------------        --------------------------------------     
                                   Barrett G. Andersen
                                   President & Chief Executive Officer

  Instruction:  The form may be signed by an executive officer of the registrant
or by any other duly authorized representative. The name and title of the person
signing  the form  shall  be typed or  printed  beneath  the  signature.  If the
statement is signed on behalf of the registrant by an authorized  representative
(other than an executive officer), evidence of the representative's authority to
sign on behalf of the registrant shall be filed with the form.

                               ATTENTION

  Intentional  misstatements  or omissions of fact constitute  Federal  Criminal
Violations (see 18 U.S.C. 1001).

                              GENERAL INSTRUCTIONS

  1. This  form is required by Rule 12b-25 of the General Rules and  Regulations
under the Securities Exchange Act of 1934.

  2. One signed  original and four conformed  copies of this form and amendments
thereto must be completed and filed with the Securities and Exchange Commission,
Washington,  D.C.  20549,  in accordance  with Rule 0-3 of the General Rules and
Regulations  under the Act. The information  contained in or filed with the form
will be made a matter of public record in the Commission files.

  3. A  manually  signed copy of the form and amendments  thereto shall be filed
with each national  securities  exchange on which any class of securities of the
registrant is registered.

  4. Amendments  to the notifications must also be filed on Form 12b-25 but need
not restate  information  that has been correctly  furnished.  The form shall be
clearly identified as an amended notification.

  5. Electronic  Filers. This form shall not be used by electronic filers unable
to timely file a report solely due to electronic difficulties.  Filers unable to
submit a report  within  the  time  period  prescribed  due to  difficulties  in
electronic  filing  should comply with either Rule 201 or Rule 202 of Regulation
S-T or  apply  for an  adjustment  in  filing  date  pursuant  to Rule  13(b) of
Regulation S-T.






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