SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-K/A
(Amendment No. 1)
[X] Annual Report Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934 [FEE REQUIRED]
For the Fiscal Year Ended July 31, 1996
OR
[ ] Transition Report Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934 [NO FEE REQUIRED]
For the transition period from --------------- to ---------
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Commission File Number: 0-26870
AMERICAN NATIONAL BANCORP, INC.
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(Exact name of registrant as specified in its charter)
Delaware 52-1943817
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(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification Number)
211 North Liberty Street, Baltimore, Maryland 21201
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(Address of Principal Executive Offices) Zip Code
(410) 752-0400
(Registrant's telephone number)
Securities Registered Pursuant to Section 12(b) of the Act: None
Securities Registered Pursuant to Section 12(g) of the Act:
Common Stock, par value $.01 per share
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(Title of Class)
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 twelve
months (or for such shorter period that the Registrant was
required to file such reports) and (2) has been subject to such
requirements for the past 90 days. YES /X/ NO / /
Indicate by check mark if disclosure of delinquent filers
pursuant to Item 405 of Regulation S-K is not contained herein,
and will not be contained, to the best of Registrant's knowledge,
in definitive proxy or information statements incorporated by
reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [X].
As of September 27, 1996, there was issued and outstanding
3,603,646 shares of the Registrant's Common Stock.
The aggregate market value of the voting stock held by non-
affiliates of the Registrant, which amount includes voting stock
held by officers and directors, computed by reference to the last
sale price on September 27, 1996, as reported by the Nasdaq
National Market, was approximately $45.0 million.
DOCUMENTS INCORPORATED BY REFERENCE
1. Annual Report to Stockholders for the fiscal year ended July
30, 1996 (Parts II and IV).
2. Proxy Statement for the November 21, 1996 Annual Meeting of
Stockholders (Part III).
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This Form 10-K/A (Amendment No. 1) is being filed to include
the signature of the Registrant's independent auditor on the
auditors' report.
PART II
ITEM 8. Financial Statements and Supplementary Data
The sections titled "Consolidated Statements of Financial
Condition," "Consolidated Statements of Operations,"
"Consolidated Statements of Stockholders' Equity," "Consolidated
Statements of Cash Flows" and "Notes to Consolidated Financial
Statements" of the 1996 Annual Report to Stockholders are
incorporated herein by reference. The audit report of the
Company's independent auditors contained in Exhibit 99 is
incorporated herein by reference.
PART IV
ITEM 14. Exhibits, Financial Statement Schedules, and Reports on
From 8-K
(a)(3) Exhibits
<TABLE>
Reference to Prior
Filing or Exhibit
Regulation S-K Number Attached
Exhibit Number Document Hereto
<S> <C> <C>
99 Additional Exhibits--Auditors' 99
Report
</TABLE>
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SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the
Securities Exchange Act of 1934, the Registrant has duly caused
this report to be signed on its behalf by the undersigned,
thereunto duly authorized.
AMERICAN NATIONAL BANCORP, INC.
Date: October 6, 1997 By: /s/ A. Bruce Tucker
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A. Bruce Tucker, President,
Chief Executive Officer and
Director
Date: October 6, 1997 By: /s/ James M. Uveges
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James M. Uveges, Senior Vice
President and Chief Financial
Officer (principal accounting
officer)
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EXHIBIT 99
AUDITORS' REPORT
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Independent Auditors' Report
The Board of Directors
American National Bancorp, Inc.
Baltimore, Maryland
We have audited the accompanying consolidated statements of
financial condition of American National Bancorp, Inc. and
subsidiary (the Company) as of July 31, 1996 and 1995 and the
related consolidated statements of operations, stockholders'
equity and cash flows for each of the years in the three-year
period ended July 31, 1996. These consolidated financial
statements are the responsibility of the Company's management.
Our responsibility is to express an opinion on these consolidated
financial statements based on our audits.
We conducted our audits in accordance with generally accepted
auditing standards. Those standards require that we plan and
perform the audit to obtain reasonable assurance about whether
the financial statements are free of material misstatement. An
audit includes examining, on a test basis, evidence supporting
the amounts and disclosures in the financial statements. An
audit also includes assessing the accounting principles used and
significant estimates made by management, as well as evaluating
the overall financial statement presentation. We believe that
our audits provide a reasonable basis for our opinion.
In our opinion, the consolidated financial statements referred to
above present fairly, in all material respects, the financial
position of American National Bancorp, Inc. and subsidiary as of
July 31, 1996 and 1995 and the results of their operations and
their cash flows for each of the years in the three-year period
ended July 31, 1996, in conformity with generally accepted
accounting principles.
/s/ KPMG Peat Marwick LLP
KPMG Peat Marwick
Baltimore, Maryland
September 5, 1996
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