UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No 2)*
Market Financial Corporation
(Name of Issuer)
Common shares, without par value
(Title of Class of Securities)
57056A 10 0
(CUSIP Number)
December 31, 1999
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
[X] Rule 13d-1(b)
[ ] 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>
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CUSIP No. 57056A 10 0 13G
-------------------
- ----------------------------------------
- --------------------------------------------------------------------------------
1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Market Financial Corporation Employee Stock Ownership Plan
- --------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a)
(b) (X)
- --------------------------------------------------------------------------------
3 SEC USE ONLY
- --------------------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
Ohio
- --------------------------------------------------------------------------------
5 SOLE VOTING POWER
-0-
NUMBER OF ----------------------------------------------------
SHARES 6 SHARED VOTING POWER
BENEFICIALLY
OWNED -0-
BY EACH
REPORTING PERSON -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
-----------------------------------------------------
8 SHARED DISPOSITIVE POWER
104,924
- --------------------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
104,924
- --------------------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
- --------------------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
8.3%
- --------------------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
EP
- --------------------------------------------------------------------------------
<PAGE>
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CUSIP No. 57056A 10 0 13G
------------------
- ----------------------------------------
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1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
First Bankers Trust Company, N.A.
- --------------------------------------------------------------------------------
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a)
(b) (X)
- --------------------------------------------------------------------------------
3 SEC USE ONLY
- --------------------------------------------------------------------------------
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
- --------------------------------------------------------------------------------
5 SOLE VOTING POWER
84,096
NUMBER OF -----------------------------------------------------
SHARES 6 SHARED VOTING POWER
BENEFICIALLY
OWNED -0-
BY EACH
REPORTING PERSON -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
-0-
-----------------------------------------------------
8 SHARED DISPOSITIVE POWER
104,924
- --------------------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
104,924
- --------------------------------------------------------------------------------
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
- --------------------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
8.3%
- --------------------------------------------------------------------------------
12 TYPE OF REPORTING PERSON*
BK
- --------------------------------------------------------------------------------
<PAGE>
Item 1(a). Name of Issuer:
Market Financial Corporation
Item 1(b). Address of Issuer's Principal Executive Offices:
7522 Hamilton Avenue
Mt. Healthy, Ohio 45231
Item 2(a). Name of Persons Filing:
First Bankers Trust Company, N.A.
Market Financial Corporation Employee Stock Ownership Plan
Item 2(b). Address of Principal Business Office or, if none, Residence:
First Bankers Trust Company, N.A.
1201 Broadway
Quincy, Illinois 62301
Market Financial Corporation Employee Stock Ownership Plan
First Bankers Trust Company, N.A., Trustee
1201 Broadway
Quincy, Illinois 62301
Item 2(c). Citizenship:
First Bankers Trust Company, N.A.:
Organized under the laws of the United States
Market Financial Corporation Employee Stock Ownership Plan:
Organized in Ohio
Item 2(d). Title and Class of Securities:
Common shares, without par value
Item 2(e). CUSIP Number:
57056A 10 0
<PAGE>
Item 3. If this statement is filed pursuant to Rules 13d-1(b), or 13d-
2(b) or (c), check whether the person filing is a:
(a) [ ] Broker or Dealer registered under Section 15 of
the Act (15 U.S.C. 78o).
(b) [X] Bank as defined in Section 3(a)(6) of the Act
(15 U.S.C. 78c).
(c) [ ] Insurance Company as defined in section 3(a)(19)
of the Act (15 U.S.C.78c).
(d) [ ] Investment Company registered under section 8 of
the Investment Company Act of 1940 (15 U.S.C.
80a-8).
(e) [ ] An investment adviser in accordance with Section
240.13d-1(b)(1)(ii)(E).
(f) [X] An employee benefit plan or endowment fund in
accordance with Section 240.13d-1(b)(1)(ii)(F).
(g) [ ] A parent holding company or control person in
accordance with Section 240.13d-1(b)(1)(ii)(G).
(h) [ ] A savings association as defined in Section 13(b)
of the Federal Deposit Insurance Act (12 U.S.C.
1813)
(i) [ ] A church plan that is excluded from the
definition of an investment company under Section
3(c)(14) of the Investment Company Act of 1940
(15 U.S.C. 80a-3).
(j) [ ] A group, in accordance with Section
240.13d-1(b)(1)(ii)(J).
Item 4. Ownership:
First Bankers Trust Company, N.A.
(a) Amount Beneficially Owned:
104,924
(b) Percent of Class:
8.3%
<PAGE>
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct the vote:
84,096
(ii) shared power to vote or to direct the vote:
-0-
(iii) sole power to dispose or to direct the
disposition of:
-0-
(iv) shared power to dispose or to direct the
disposition of:
104,924
Market Financial Corporation Employee Stock Ownership Plan
(a) Amount Beneficially Owned:
104,924
(b) Percent of Class:
8.3%
(c) Number of Shares as to which such person has:
(i) sole power to vote or to direct the vote:
-0-
(ii) shared power to vote or to direct the vote:
-0-
(iii) sole power to dispose or to direct the
disposition of:
-0-
(iv) shared power to dispose or to direct the
disposition of:
104,924
There are 104,924 common shares owned by the Market
Financial Corporation Employee Stock Ownership Plan (the
"Plan"). First Bankers Trust Company, N.A. is the Trustee of
the Plan. Under the terms of the Plan and the Trust
Agreement, the Trustee votes all of the shares allocated to
the accounts of participants as directed by the participants
to whose accounts such shares have been allocated. With
respect to unallocated shares or allocated shares with
respect to which no instructions have been received, the
Plan provides that the Trustee shall vote such shares in the
Trustee's discretion. At December 31, 1999, 20,828 shares
were allocated to the accounts of participants.
<PAGE>
Although the Trustee has general authority to sell assets,
because the Plan provides that the Trustee is to invest
primarily in shares of the issuer, the authority to dispose of
such shares is limited by the Plan.
Item 5. Ownership of Five Percent or Less of a Class:
Inapplicable
Item 6. Ownership of More Than Five Percent on Behalf of Another
Person:
Inapplicable
Item 7. Identification and Classification of the Subsidiary Which
Acquired the Security Being Reported on by the Parent Holding
Company:
Inapplicable
Item 8. Identification and Classification of Members of the Group:
First Bankers Trust Company, N.A., a Bank as defined in
Section 3(a)(6) of the Act
Market Financial Corporation Employee Stock Ownership Plan, an
Employee Benefit Plan
Item 9. Notice of Dissolution of Group:
Inapplicable
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>
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.
FIRST BANKERS TRUST COMPANY, N.A.
2/3/00 By /s/ Carmen Walch
Date Carmen Walch,
its Trust Officer
MARKET FINANCIAL CORPORATION
EMPLOYEE STOCK OWNERSHIP PLAN
First Bankers Trust Company, N.A.,
Trustee
2/3/00 By /s/ Carmen Walch
Date Carmen Walch,
its Trust Officer
<PAGE>
EXHIBIT A
AGREEMENT FOR JOINT FILING OF SCHEDULE 13G
The undersigned hereby agree that the Schedule 13G being filed with the
Securities and Exchange Commission to report their beneficial ownership of more
than 5% of the common shares of Market Financial Corporation, an Ohio
corporation, shall be, and is, filed on behalf of each of the undersigned.
FIRST BANKERS TRUST COMPANY, N.A.
2/3/00 By /s/ Carmen Walch
Date Carmen Walch,
its Trust Officer
MARKET FINANCIAL CORPORATION
EMPLOYEE STOCK OWNERSHIP PLAN
First Bankers Trust Company, N.A.,
Trustee
2/3/00 By /s/ Carmen Walch
Date Carmen Walch,
its Trust Officer
