AMERICAN NATIONAL BANCORP INC
10-Q/A, 1996-08-01
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                  SECURITIES AND EXCHANGE COMMISSION
                        WASHINGTON, D.C.  20549 

                      ____________________________

                         Form 10-Q - AMENDMENT


(Mark One)
(X)       QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE              
          SECURITIES EXCHANGE ACT OF 1934

          For the quarterly period ended April 30, 1996 

( )       TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) 
          OF THE SECURITIES EXCHANGE ACT OF 1934

          For the transition period from ___________ to
          ___________

                     COMMISSION FILE NUMBER  0-26870 
                                            ---------

                      AMERICAN NATIONAL BANCORP, INC. 
- ------------------------------------------------------------------------------
        (Exact name of registrant as specified in its charter)

            Delaware                                    52-1943817 
- ---------------------------------------       -------------------------------- 
(State or other jurisdiction of               (I.R.S. Employer
incorporation or organization)                Identification Number)

       211 North Liberty Street, Baltimore, Maryland     21201-3978    
- ------------------------------------------------------------------------------ 
      (Address of principal executive offices)           (zip code)    

Registrant's telephone number, 
including area code:                                       (410)-752-0400
                                                        ----------------------

       Indicate by check mark whether the Registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
Registrant was required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days.  Yes   X    No
                                                   --------  --------

            APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY
              PROCEEDINGS DURING THE PRECEDING FIVE YEARS:

       Indicate by check mark whether the Registrant has filed all documents
and reports required to be filed by Sections 12, 13 or 15(d) of the Securities
Exchange Act of 1934 subsequent to the distribution of securities under a plan
confirmed by a court.  Yes           No 
                          -----------  -----------


APPLICABLE ONLY TO CORPORATE ISSUERS:  Indicate the number of shares
outstanding of each of the issuer's classes of common stock, as of the latest
practicable date:  Common Stock, $0.01 par value--3,980,500 shares as of June
3, 1996.
<PAGE>

                                     SIGNATURES


          Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed by the undersigned
thereunto duly authorized.


                            AMERICAN NATIONAL BANCORP, INC. 




Date:  July 31, 1996                    By:  /s/ A. Bruce Tucker
       -------------                        ---------------------------------- 
                                              A. Bruce Tucker
                                              PRESIDENT and
                                              CHIEF EXECUTIVE OFFICER



Date:   July 31, 1996                   By:   /s/ James M. Uveges
        --------------                       ---------------------------------
                                               James M. Uveges
                                               SENIOR VICE PRESIDENT and
                                               CHIEF FINANCIAL OFFICER
             
</PAGE>


<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JUL-31-1996
<PERIOD-END>                               APR-30-1996
<CASH>                                           3,039
<INT-BEARING-DEPOSITS>                           8,056
<FED-FUNDS-SOLD>                                    93
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     57,001
<INVESTMENTS-CARRYING>                          98,899
<INVESTMENTS-MARKET>                            97,935
<LOANS>                                        268,075
<ALLOWANCE>                                      4,394
<TOTAL-ASSETS>                                 449,019
<DEPOSITS>                                     316,502
<SHORT-TERM>                                    56,729
<LIABILITIES-OTHER>                              7,802
<LONG-TERM>                                     18,975
                                0
                                          0
<COMMON>                                            40
<OTHER-SE>                                      48,971
<TOTAL-LIABILITIES-AND-EQUITY>                 449,019
<INTEREST-LOAN>                                 15,962
<INTEREST-INVEST>                                8,200
<INTEREST-OTHER>                                   585
<INTEREST-TOTAL>                                24,747
<INTEREST-DEPOSIT>                              11,930
<INTEREST-EXPENSE>                              15,408
<INTEREST-INCOME-NET>                            9,339
<LOAN-LOSSES>                                      562
<SECURITIES-GAINS>                                  16
<EXPENSE-OTHER>                                  7,491
<INCOME-PRETAX>                                  1,901
<INCOME-PRE-EXTRAORDINARY>                       1,901
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,287
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    2.88
<LOANS-NON>                                      4,249
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,643
<LOANS-PROBLEM>                                  6,116
<ALLOWANCE-OPEN>                                 6,361
<CHARGE-OFFS>                                    2,680
<RECOVERIES>                                       151
<ALLOWANCE-CLOSE>                                4,394
<ALLOWANCE-DOMESTIC>                             4,394
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>


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