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                      SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, DC 20549

                                  FORM 10-K/A

                  Annual Report Pursuant to Section 13 of the
                        Securities Exchange Act of 1934

                    For the fiscal year ended June 30, 1996

            Securities and Exchange Commission File Number 0-25722

                               HF BANCORP, INC.
            (Exact name of registrant as specified in its charter)

           DELAWARE                                           33-0576146
   (State or other jurisdiction                       (I.R.S. Employer I.D. No.)
 of incorporation or organization)

                445 E. FLORIDA AVENUE, HEMET, CALIFORNIA 92543
                   (Address of principal executive offices)


      Registrant's telephone number, including area code: (909) 658-4411
  Securities registered pursuant to Section 12(b) of the Act:  Not Applicable
         Securities registered pursuant to Section 12(g) of the Act:

COMMON STOCK, $.01 PAR VALUE PER SHARE    NASDAQ STOCK MARKET
            (Title of Class)              (Name of exchange on which registered)


      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 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 
                                      -----                    -----

      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  the  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 ]

      The number of shares  outstanding for each of the registrant's  classes of
common stock issued and outstanding as of September 10, 1996 was 6,281,875.

      The aggregate market value of the voting stock held by "non-affiliates" of
the registrant (i.e., persons other than the directors and executive officers of
                ----
the registrant) was $55,543,854 based upon the last sales price as quoted on The
NASDAQ Stock Market for September 10, 1996.



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                                    PART IV

ITEM 14.   EXHIBITS, FINANCIAL STATEMENTS SCHEDULES, AND REPORTS ON FORM 8-K

      (a)  1.  Financial Statements

               These documents are listed in the Index to Consolidated Financial
               Statements under Item 8.

           2.  Financial Statement Schedules

               Financial  Statement Schedules have been omitted because they are
               not  applicable  or the  required  information  is  shown  in the
               Consolidated Financial Statements or Notes thereto.

      (b)  Reports on Form 8-K Filed During the Quarter Ended June 30, 1996

           Reports on  Form 8-K were filed on April 19, 1996  reporting that the
           Company had  entered into an agreement  whereby the Association would
           acquire certain assets and  liabilities  associated with three branch
           offices  of Hawthorne Savings F.S.B.; on May 20, 1996 announcing that
           the  Company had entered into an agreement and Plan of Merger whereby
           the Company would acquire Palm Springs Savings Bank, F.S. B.; on June
           28, 1996  announcing the  Association  had completed its  purchase of
           three San Diego County branches of Hawthorne  Savings Bank,  F.S.B.;
           on July 5, 1996 announcing the appointment of a new director; and  on
           September  4,  1996   announcing   the   pro  forma  results  of  the
           Association's  acquisition  of branch offices from Hawthorne  Savings
           Bank, F.S.B.

      (c)  Exhibits  Required  by  Securities and Exchange Commission Regulation
           S-K




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Exhibit Number
--------------

  3.1   Amended Certificate of Incorporation of HF Bancorp, Inc.*

  3.2   Bylaws of HF Bancorp, Inc.*

  4.0   Stock Certificate of HF Bancorp, Inc.*

  10.1  Employment  Agreement  entered  into  between  the  Association and Mr.
        Eichinger*

  10.2  Employment Agreement entered into between the Company and Mr. Eichinger*

  10.3  Change  in  Control  Agreements entered into between the Association and
        certain executive officers*

  10.4  Change in  Control Agreements  entered  into  between  the  Company  and
        certain executive officers*

  10.5  Hemet Federal Savings and Loan Association Employee Stock Ownership Plan
        and Trust*

  10.6  Hemet Federal Savings and Loan Association Retirement Restoration Plan**

  10.7  Hemet  Federal Savings and Loan Association Directors Deferred Fee Stock
        Unit Plan**

  10.8  Hemet  Federal  Savings   and   Loan   Association  Management  Deferred
        Compensation Plan**

  10.9  HF Bancorp, Inc. 1995 Master Stock Option Plan***

  10.10 Hemet   Federal   Savings  and   Loan   Association  1995  Master  Stock
        Compensation Plan***

  21    Subsidiaries  of  HF Bancorp, Inc.  See "Part  I - Subsidiaries,"  which
        information is incorporated herein by reference

  27    Financial Data Schedule (filed herewith)

  99    Proxy Statement for 1996 Annual Meeting (filed herewith)

--------------------------
*    Incorporated  herein by reference  into this  document from the Exhibits to
     Form S-1 Registration Statement and any amendments thereto, filed March 14,
     1994, Registration No. 33-90286.

**   Incorporated herein by reference into  this document form the Form 10-K for
     the fiscal year ended  June 30, 1995 filed with the Commission on September
     27, 1995, file No. 0-27522.

***  Incorporated  herein  by  reference  into  this  document  from  the  Proxy
     Statement  dated  November  28,  1995  filed on  December  1, 1995 with the
     Commission.



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                                   SIGNATURE


      Pursuant to the requirements of Section 13 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.

                                       HF Bancorp, Inc.


                                       By: /s/ J. Robert Eichinger
                                           ------------------------------
                                           J. Robert Eichinger
Dated: November 4, 1996                    President and Chief Executive Officer
       -------------------                 Chairman of the Board