HAYWOOD BANCSHARES INC
15-12B, 2000-02-24
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549

                                    FORM 15

CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(G) OF
THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER
         SECTIONS 13 AND 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

                        Commission File Number: 1-11819
                                                -------

                           HAYWOOD BANCSHARES, INC.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


   370 North Main Street, Waynesville, North Carolina, 28786 (828) 456-9092
- --------------------------------------------------------------------------------
(Address, including zip code, and telephone number, including area code, of
                   registrant's principal executive offices)

                    Common Stock, $1.00 par value per share
- --------------------------------------------------------------------------------
           (Title of each class of securities covered by this Form)

                                     None
- --------------------------------------------------------------------------------
(Title of all other classes of securities for which a duty to file reports under
                        Section 13(a) or 15(d) remains)

     Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:

     Rule 12g-4(a)(1)(i)  [X]            Rule 12h-3(b)(1)(ii) [_]
     Rule 12g-4(a)(1)(ii) [_]            Rule 12h-3(b)(2)(i)  [_]
     Rule 12g-4(a)(2)(i)  [_]            Rule 12h-3(b)(2)(ii) [_]
     Rule 12g-4(a)(2)(ii) [_]            Rule 15d-6           [_]
     Rule 12h-3(b)(1)(i)  [_]

     Approximate number of holders of record as of the certification or notice
date:     one
     --------------

     Pursuant to the requirements of the Securities Exchange Act of 1934,
Haywood Bancshares, Inc. has caused this certification/notice to be signed on
its behalf by the undersigned duly authorized person.


Date:  February 22, 2000                By:  /s/ Larry R. Ammons
     ----------------------                -------------------------------------
                                           Name: Larry R. Ammons
                                           Title: President and Chief Executive
                                                  Officer


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