SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                   FORM 10-QSB


[X]     QUARTERLY REPORT PURSUANT TO SECTION 13 OF 15 (d) OF THE SECURITIES
        EXCHANGE ACT OF 1934

        For the quarterly period ended December 31, 1997

                                       OR

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

        For the transition period from __________ to ___________

                         Commission File Number 0-26560

                              HARDIN BANCORP, INC.
--------------------------------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)

                Delaware                                43-1719104
---------------------------------------- ---------------------------------------
     State or other jurisdiction of      (I.R.S. Employer Identification Number)
     incorporation or organization

  2nd and Elm Street, Hardin, Missouri                    64035
---------------------------------------- ---------------------------------------
(Address of principal executive offices)                (Zip code)

Registrant's telephone number, including area code:  (816) 398-4312

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed  by  Section  13 of 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 ( )

Indicate the number of shares  outstanding of each of the issuer's  common stock
as of the latest practicable date.

                 Class                       Outstanding at December 31, 1997
      ---------------------------            --------------------------------
      Common stock, .01 par value                        823,560

<PAGE>

                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                                    CONTENTS


    PART I

    FINANCIAL INFORMATION

    Item 1.

    Unaudited Financial Statements                                       Page

        Consolidated Balance Sheets.....................................    1

        Consolidated Statements of Earnings.............................    2

        Consolidated Statement of Stockholders' Equity..................    3

        Consolidated Statements of Cash Flows...........................  4-5

        Notes to Consolidated Financial Statements......................    6

    Item 2.

    Management's Discussion and Analysis of
    Financial Condition and Results of
    Operations.......................................................... 7-10

    PART II

    OTHER INFORMATION...................................................   11

    Signatures..........................................................   12

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                           Consolidated Balance Sheets
                         December 31, and March 31, 1997

                                                 (Unaudited)
                                                 December 31         March 31
                                                 -----------         --------
    Assets
    ------
Cash .........................................   $    470,814      $    258,745
Interest bearing deposits ....................      6,734,223         4,007,164
Investment securities available-for-sale .....     24,530,901        22,340,420
Mortgage-backed securities:
    Held-to-maturity .........................     11,793,100        13,456,912
    Available-for-sale .......................      8,140,525         5,757,213
Loans receivable, net ........................     59,987,972        54,567,570
Accrued interest receivable:
    Investment securities ....................        186,767           309,223
    Mortgage-backed securities ...............        141,601           144,271
    Loans receivable .........................        402,778           329,200
Real estate owned ............................              0           103,410
Premises and equipment .......................      1,435,145           850,210
Stock in Federal Home Loan Bank (FHLB)
  of Des Moines, at cost .....................      1,325,000           950,000
Current income taxes receivable ..............          5,044                 0
Deferred income taxes receivable .............         36,305            43,000
Prepaid expenses and other assets ............        243,535           236,410
                                                 ------------      ------------
           Total assets ......................   $115,433,710      $103,353,748
                                                 ============      ============
    Liabilities and Stockholders' Equity
    ------------------------------------
Liabilities:
    Deposits .................................   $ 76,642,209      $ 70,200,857
    Advances from borrowers for
      taxes and insurance ....................        113,074           275,440
    Advances from FHLB .......................     24,500,000        19,000,000
    Accrued interest payable .................         98,861            55,251
    Current income taxes payable .............        266,191           137,164
    Deferred income taxes payable ............         59,676                 0
    Accrued expenses and other liabilities ...        663,548           475,310
                                                 ------------      ------------
           Total liabilities .................    102,343,559        90,144,022

Stockholders'equity:
    Serial preferred stock, $.01 par value;
      500,000 shares authorized, none issued
      or outstanding .........................              0                 0
    Common stock, $.0l par value;
      3,500,000 shares authorized,
      1,058,000 shares issued ................         10,580            10,580
    Additional paid-in capital ...............     10,084,729        10,084,729
    Retained earnings ........................      7,340,374         6,994,680
    Unrealized loss on available-for-sale
      securities, net ........................       (121,637)         (234,597)
    Unearned employee stock ownership plan ...       (636,800)         (636,800)
    Deferred recognition and retention plan ..       (349,948)         (413,464)
    Treasury stock (234,440 and 198,640,                                 
      respectively, shares at cost) ..........     (3,237,147)       (2,595,402)
                                                 ------------      ------------
           Total stockholders' equity ........     13,090,151        13,209,726
                                                 ------------      ------------
           Total liabilities and
             stockholders' equity ............   $115,433,710      $103,353,748
                                                 ============      ============

                                        1

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                       Consolidated Statements of Earnings
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                 Three months ended         Nine months ended
                                                    December 31                December 31
                                              -----------------------    -----------------------
                                                 1997         1996          1997         1996
                                                 ----         ----          ----         ----
Interest income:
<S>                                           <C>          <C>           <C>          <C>
  Loans receivable ........................   $1,216,168   $1,061,788    $3,544,154   $3,025,304
  Mortgage-backed securities ..............      314,122      318,929       913,308    1,032,058
  Investment securities ...................      453,297      232,845     1,311,529      635,875
  Other ...................................      117,974       67,621       329,969      157,685
                                              ----------   ----------    ----------   ----------
       Total interest income ..............    2,101,561    1,681,183     6,098,960    4,850,922
                                              ----------   ----------    ----------   ----------
Interest expense:
  Deposits ................................      981,643      851,283     2,866,427    2,517,993
  FHLB advances ...........................      362,986      104,652       973,306      250,501
                                              ----------   ----------    ----------   ----------
       Total interest expense .............    1,344,629      955,935     3,839,733    2,768,494
                                              ----------   ----------    ----------   ----------
       Net interest income ................      756,932      725,248     2,259,227    2,082,428

Provision for loan losses .................       24,094        7,500        78,671       23,590
                                              ----------   ----------    ----------   ----------
       Net interest income after              
        provision for loan losses .........      732,838      717,748     2,180,556    2,058,838
                                              ----------   ----------    ----------   ----------
Non-interest income:                          
  Service charges .........................       39,190       20,901        93,579       60,122
  Loan servicing fees .....................        9,718        8,803        26,055       27,609
  Gain on sale of mortgage loans ..........       23,877            0        40,319            0
  Gain on sale of real estate owned .......        1,553            0         5,658            0
  Gain (loss) on sale of investments and
        mortgage-backed securities ........       15,482        5,286        65,304       (2,410)
  Other income ............................       36,949       20,562        88,919      119,364
                                              ----------   ----------    ----------   ----------
       Total non-interest income ..........      126,769       55,552       319,834      204,685
                                              ----------   ----------    ----------   ----------
Non-interest expense:
  Compensation and benefits ...............      253,285      240,682       829,459      736,376
  Occupancy and equipment .................       37,781       34,146        99,957       85,570
  Federal insurance premiums ..............       11,747       38,022        33,808      113,855
  SAIF special assessment .................            0            0             0      441,018
  Data processing .........................       27,304       22,794        76,638       67,567
  Real estate owned .......................           33            0         1,439            0
  Other ...................................      183,764       96,155       465,910      375,904
                                              ----------   ----------    ----------   ----------
       Total non-interest expense .........      513,914      431,799     1,507,211    1,820,290
                                              ----------   ----------    ----------   ----------
       Earnings before income taxes .......      345,693      341,501       993,179      443,233
  Income tax expense ......................      126,267      126,436       365,336      164,093
                                              ----------   ----------    ----------   ----------
       Net earnings .......................   $  219,426   $  215,065    $  627,843   $  279,140
                                              ==========   ==========    ==========   ==========
Net earnings per common share:
  Basic ...................................   $     0.29   $     0.24    $     0.80   $     0.30
                                              ==========   ==========    ==========   ==========
  Diluted .................................   $     0.28   $     0.24    $     0.78   $     0.30
                                              ==========   ==========    ==========   ==========
Weighted average common and common
  equivalent shares outstanding ...........      797,809      901,478       809,018      934,681
                                              ==========   ==========    ==========   ==========
</TABLE>

                                        2

<PAGE>

                     Hardin Bancorp, Inc. and Subsidiaries
                 Consolidated Statement of Stockholders' Equity
                  For The Nine Months Ended December 31, 1997
                                  (Unaudited)

<TABLE>
<CAPTION>
                                                                                   Unearned
                                                                                   Employee
                                          Additional                Unrealized      Stock                                  Total
                                 Common    Paid-in     Retained      Loss on      Ownership    Deferred     Treasury   Stockholders'
                                  Stock    Capital     Earnings  Securities, net     Plan         RRP         Stock       Equity
                                 ------   ----------   --------  ---------------  ---------    --------     --------   -------------
<S>                             <C>      <C>          <C>           <C>              <C>      <C>         <C>           <C>
Balance at March 31, 1997 ....  $10,580  $10,084,729  $6,994,680    $(234,597)    $(636,800)  $(413,464)  $(2,595,402)  $13,209,726

Net earnings .................        0            0     627,843            0             0           0             0       627,843

Change in unrealized loss
  on available-for-sale
  securities, net of tax .....        0            0           0      112,960             0           0             0       112,960

Repurchase of common stock
  (35,800 shares) ............        0            0           0            0             0           0      (641,745)     (641,745)

Amortization of RRP ..........        0            0           0            0             0      63,516             0        63,516

Dividends declared
  ($.12 per share) ...........        0            0    (282,149)           0             0           0             0      (282,149)
                                -------  -----------  ----------    ---------     ---------   ---------   -----------   -----------
Balance at December 31, 1997 .  $10,580  $10,084,729  $7,340,374    $(121,637)    $(636,800)  $(349,948)  $(3,237,147)  $13,090,151
                                =======  ===========  ==========    =========     =========   =========   ===========   ===========
</TABLE>

                                        3

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
                  Nine Months Ended December 31, 1997 and 1996
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                          1997          1996
                                                                      -----------   ------------
<S>                                                                   <C>           <C>         
Operating Activities:
Net Earnings .......................................................  $   627,843   $    279,140
Adjustments to reconcile net earnings
  to net cash provided by operating activities:
  Provision for losses on loans ....................................       78,671         23,590
  Depreciation .....................................................       49,358         38,949
  Premium accretion and amortization
    of discounts and deferred loan fees, net .......................       68,150         65,946
  Net (gain)/loss on sale of loans and investment
    and mortgage-backed securities .................................     (105,623)         2,410
  Gain on real estate owned ........................................       (5,658)             0
  Amortization of deferred Recognition and Retention Plan (RRP) ....       63,516         63,515
  Provision for deferred income taxes ..............................            0          1,538
  Changes in assets and liabilities:
    Interest receivable ............................................     (203,954)       (64,274)
    Other assets ...................................................       (7,125)        41,214
    Accrued interest payable .......................................       43,610         33,548
    Accrued expense and other liabilities ..........................      198,272        200,114
    Income taxes payable ...........................................      123,983        (50,547)
                                                                      -----------   ------------
Net cash provided by operating activities ..........................      931,043        635,143
                                                                      -----------   ------------
Investing Activities:
  Net increase in loans receivable .................................   (4,400,198)    (4,793,153)
  Purchase of loans receivable .....................................   (1,072,050)    (2,506,169)
  Purchase of mortgage-backed securities available-for-sale ........   (7,819,121)             0
  Principal payments on mortgage-backed and related securities:
    Available-for-sale .............................................    5,652,390        939,436
    Held-to-maturity ...............................................    1,629,717      2,287,193
  Proceeds from sales of mortgage-backed securities ................    4,895,433        863,408
  Purchase of investment securities available-for-sale .............  (22,559,088)   (14,003,686)
  Proceeds from maturities of investment securities
    Available-for-sale .............................................   12,650,000      3,000,000
  Proceeds from sales of investment securities .....................    3,077,897      2,004,844
  Purchase of stock in FHLB of Des Moines ..........................     (375,000)             0
  Purchase of real estate owned ....................................            0              0
  Proceeds from sales of real estate owned .........................      117,340              0
  Addition to office properties and equipment ......................     (634,293)      (301,679)
                                                                      -----------   ------------
Net cash used in investing activities ..............................  $(8,836,973)  $(12,509,806)
                                                                      -----------   ------------
</TABLE>

                                        4

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
               Consolidated Statements of Cash Flows, (continued)
                  Nine Months Ended December 31, 1997 and 1996
                                   (Unaudited)

                                                        1997            1996
                                                    ------------    -----------
Financing Activities:
  Net increase in savings deposits ..............   $  6,441,352    $ 1,261,165
  Proceeds from FHLB advances ...................     20,500,000     14,000,000
  Repayments of FHLB advances ...................    (15,000,000)             0
  Net decrease in advances from borrowers for
    taxes and insurance .........................       (162,366)       (77,287)
  Payment of dividends ..........................       (292,183)      (309,886)
  Purchase of treasury stock ....................       (641,745)    (1,744,196)
                                                    ------------    -----------
Net cash provided by financing activities .......     10,845,058     13,129,796
                                                    ------------    -----------
Increase in cash ................................        579,351      5,629,552

Cash at beginning of period .....................      4,265,909      5,683,953
                                                    ------------    -----------
Cash at end of period ...........................   $  4,845,260    $11,313,505
                                                    ============    ===========
Supplemental disclosure of cash flow information:
  Cash paid for:
    Interest ....................................   $  3,796,123    $ 2,734,946
    Income taxes, net of refunds ................   $    241,353    $   214,640
Noncash investing and financing:
  Allocation of treasury stock to RRP ...........   $          0    $   498,150
  Dividends declared and payable ................   $     98,827    $    95,485
  Loans transferred to real estate owned ........   $      8,272    $         0


See accompanying notes to consolidated financial statements.

                                        5

<PAGE>

                      HARDIN BANCORP, INC. AND SUBSIDIARIES
                   Notes to Consolidated Financial Statements
                                   (Unaudited)


(1)  Basis of Presentation

     The  accompanying  unaudited  consolidated  financial  statements of Hardin
     Bancorp,  Inc.  and  subsidiaries  have been  prepared in  accordance  with
     instructions for Form 10-QSB.  To the extent that information and footnotes
     required by generally accepted accounting principles for complete financial
     statements are contained in the audited  financial  statements  included in
     the Holding Company's Annual Report for the year ended March 31, 1997, such
     information and footnotes have not been duplicated  herein.  In the opinion
     of  management,  all  adjustments,  consisting  only  of  normal  recurring
     accruals,  which are  necessary  for the fair  presentation  of the interim
     financial statements have been included. The statements of earnings for the
     three and nine month  periods ended  December 31, 1997 are not  necessarily
     indicative  of the results  which may be expected for the entire year.  The
     March 31, 1997 consolidated balance sheet has been derived from the audited
     consolidated financial statements as of that date.

(2)  Earnings Per Share

     Basic  earnings  per share  excludes  dilution  and is computed by dividing
     income  available to common  stockholders by the weighted average number of
     common shares  outstanding  during the period.  Diluted  earnings per share
     includes the effect of potential  dilutive  common shares  (stock  options)
     outstanding  during the  period.  All per share data has been  restated  to
     reflect the adoption of SFAS No. 128.

     For the nine months ended  December 31, 1997, the only  difference  between
     basic  and  diluted  earnings  per  share  lies in the  computation  of the
     weighted  average shares  outstanding.  The diluted weighted average shares
     includes  27,629  shares as a result of the  assumption  that stock options
     granted by the Company had been exercised.

                                        6

<PAGE>

                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                      MANAGEMENT'S DISCUSSION AND ANALYSIS
                OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

GENERAL
-------

Hardin  Bancorp,  Inc. (the  "Company") was  incorporated  under the laws of the
state of Delaware to become a savings bank holding  company with Hardin  Federal
Savings Bank (the "Bank") of Hardin,  Missouri,  as its subsidiary.  The holding
company was incorporated at the direction of the Board of Directors of the Bank,
and on September  28, 1995,  acquired all of the capital  stock of the Bank upon
its  conversion  from  mutual  to stock  form (the  "conversion").  Prior to the
conversion, the holding company did not engage in any material operations.

Hardin  Federal  Savings  Bank  was  originally  founded  in 1888 as a  Missouri
chartered savings and loan association located in Hardin, Missouri. On March 21,
1995, the Bank's members voted to convert the Bank to a Federal mutual  charter.
The Bank  conducts its business  through its main office in Hardin,  Ray County,
and two full  service  branch  offices  located in  Richmond,  Ray  County,  and
Excelsior Springs,  Clay County,  Missouri.  Deposits are insured by the Federal
Deposit Insurance Corporation (FDIC) to the maximum allowable.

The Bank is  principally  engaged in the business of attracting  retail  savings
deposits  from the general  public and investing  those funds in first  mortgage
loans on owner occupied, single-family residential loans, commercial real estate
loans,  mortgage-backed  securities,  U.S. Government and agency securities, and
insured interest bearing deposits.  The Bank also originates  consumer loans for
the purchase of automobiles, home improvement, and home equity lines of credit.

The most significant  outside factors influencing the operations of the Bank and
other financial institutions include general economic conditions, competition in
the local market place and the related  monetary and fiscal policies of agencies
that  regulate  financial  institutions.  More  specifically,  the cost of funds
primarily  consisting of insured  deposits is  influenced  by interest  rates on
competing  investments  and general  market  rates of  interest,  while  lending
activities  are  influenced  by the demand for real estate  financing  and other
types of loans,  which in turn is affected by the  interest  rates at which such
loans  may be  offered  and  other  factors  affecting  loan  demand  and  funds
availability.

The deposits of the Bank are insured by the Savings  Association  Insurance Fund
(SAIF), which together with the Bank Insurance Fund (BIF), are the two insurance
funds administered by the FDIC.

FINANCIAL CONDITION
-------------------

Consolidated assets of Hardin Bancorp, Inc. were $115,433,710 as of December 31,
1997, an increase of  $12,079,962 as compared to March 31, 1997. On December 31,
1997, total  stockholders'  equity was $13,090,151,  a decrease of $119,575 when
compared to  stockholders'  equity on March 31, 1997. The increase in assets was
due to growth in investment  securities and the loan portfolio  which was funded
by a $5,500,000  increase in Federal Home Loan Bank  advances and an increase in
deposits in the amount of $6,441,352. The decrease in stockholders' equity was a
result of the  declaration  of cash  dividends on the Company's  common stock in
June,  September,  and December,  the repurchase of 35,800 shares of outstanding
common  stock,  off-set by a decrease in unrealized  loss on  available-for-sale
securities,  net,  amortization of deferred  recognition and retention plan, and
net earnings during the period.

Cash,  interest  bearing  deposits,   and  investment  securities  increased  to
$31,735,938  at December  31,  1997,  from  $26,606,329  on March 31,  1997,  an
increase of  $5,129,609.  The increase was partially  funded by FHLB advances in
order to leverage the Bank's strong capital position. Mortgage-backed securities
increased  $719,500 to  $19,933,625  on December 31, 1997,  from  $19,214,125 on
March 31, 1997.

Loans  receivable,  net,  increased to  $59,987,972  on December 31, 1997,  from
$54,567,570 on March 31, 1997, an increase of $5,420,402.

Deposits totaled  $76,642,209 on December 31, 1997, an increase from $70,200,857
on March 31, 1997. The increase of $6,441,352 is due to a special certificate of
deposit  program  and  the  introduction  of a new  checking  account  marketing
program.

                                       7

<PAGE>

Federal Home Loan Bank advances were $24,500,000 on December 31, 1997,  compared
to  $19,000,000  on March 31, 1997,  an increase of  $5,500,000.  The funds were
acquired to meet the  Company's  growth  objective,  and to fund the purchase of
U.S. government agency securities.

RESULTS OF OPERATIONS
---------------------

Net  earnings  were  $219,426  for the three  months  ended  December  31, 1997,
compared to $215,065 for the three months ended  December 31, 1996. The increase
in earnings was  primarily  due to an increase in net interest  income and total
non-interest  income  partially  off-set by an  increase  in total  non-interest
expense.

Net  interest  income  after  provision  for loan losses for the  quarter  ended
December 31, 1997, was $732,838  compared to $717,748 for the three months ended
December 31, 1996, an increase of $15,090. The increase is due to an increase in
interest  earning assets funded by an increase in deposits and Federal Home Loan
Bank advances.

Non-interest  income for the three months ended  December 1997 totaled  $126,769
compared  to $55,552  for the third  quarter of 1996.  The  increase  was due to
higher service charge income and gains on the sale of loans and investments.

The Company's  non-interest expense for the three months ended December 31, 1997
was $513,914 compared to $431,799 in the comparable quarter in 1996, an increase
of $82,115. The increase was due to increases in compensation and benefits.  The
increase in other  non-interest  expense is due to start-up costs for the Bank's
debit card program and high performance  checking program.  These increases were
partially off-set by reduced federal insurance premiums.

Income tax expense for the three  months ended  December 31, 1997,  was $126,267
compared to $126,436 for the three months ended December 31, 1996. The effective
tax rates were 36.5% and 37.0% for the three months ended  December 31, 1997 and
1996, respectively.

Net earnings for the nine months ended December 31, 1997, were $627,843 compared
to  $279,140  for the nine  months  ended  December  31,  1996,  an  increase of
$348,703.  The increase is related to a decrease in non-interest  expense and an
increase in non-interest income and net interest income after provision for loan
losses.

Net interest  income after  provision  for loan losses for the nine month period
ended  December 31, 1997,  was  $2,180,556  compared to $2,058,838  for the nine
month period ended December 31, 1996, an increase of $121,718.  The increase was
due to an increase in interest earning assets.

Non-interest  income for the nine months ended  December 31, 1997,  was $319,834
compared to $204,685  for the nine month period a year  earlier,  an increase of
$115,149. The increase was due to higher service fee income and gains recognized
on the sale of loans,  real estate owned,  and investments  and  mortgage-backed
securities.  These  increases  were  partially  off-set  by  decreases  in  loan
servicing fees and other non-interest income.

The Company's  non-interest  expense for the nine months ended December 31, 1997
was $1,507,211,  compared to $1,820,290 for the nine month period ended December
31,  1996,  a decrease of  $313,079.  The  decrease  was due to reduced  federal
insurance premiums and no SAIF special assessment in 1997,  partially off-set by
increases in compensation and benefits, occupancy and equipment, data processing
expense, real estate owned expense, and other non-interest expense.

Income tax expense for the nine months ended  December  31,  1997,  was $365,336
compared to $164,093  for the similar  period in 1996,  an increase of $201,243.
The  increase was due to an increase in earnings  before  income  taxes,  as the
effective tax rates remained similar for the nine months ended December 31, 1997
(36.8%) and 1996 (37.0%).

PROVISION FOR LOAN LOSSES
-------------------------

The  provision  for loan  losses is based on the  periodic  analysis of the loan
portfolio by management.  In establishing  the provision,  management  considers
numerous  factors   including  general  economic   conditions,   loan  portfolio
condition,  prior loss experience,  and independent analysis.  The provision for
loan losses for the three  months ended  December 31, 1997,  was $24,094 and for
the nine months ended December 31, 1997, was $78,671. Based upon the analysis of
the  addition  to  established  allowances  and  the  composition  of  the  loan
portfolio,  management  concluded that the allowance is adequate.  While current
economic  conditions in the Bank's  market are stable,  future  conditions  will
dictate the level of future allowances for losses on loans.

                                       8

<PAGE>

NONPERFORMING ASSETS
--------------------

On December 31, 1997, nonperforming assets were $218,351 compared to $166,981 on
September 30, 1997. At December 31, 1997,  the Bank's  allowance for loan losses
was $232,710, or 107% of nonperforming assets.

Loans are  considered  nonperforming  when the  collection  of principal  and/or
interest  is not  probable,  or in the  event  payments  are  more  than 90 days
delinquent.

The allowance for loan losses was .39% of total loans as of December 31, 1997.

CAPITAL RESOURCES
-----------------

The Bank is subject to three capital to asset  requirements  in accordance  with
Office of Thrift Supervision (OTS) regulations. The following table is a summary
of the  Bank's  regulatory  capital  requirements  versus  actual  capital as of
December 31, 1997.

                                      Actual         Required         Excess
                                  Amount/Percent  Amount/Percent  Amount/Percent
                                  --------------  --------------  --------------
                                               (Dollars in Thousands)

Tangible Capital ..........       $11,834/10.32%   $1,721/1.50%   $10,113/ 8.82%
Core Leverage Capital .....       $11,834/10.32%   $3,441/3.00%   $ 8,393/ 7.32%
Risk-Based Capital ........       $12,064/20.84%   $4,631/8.00%   $ 7,433/12.84%

LIQUIDITY
---------

The Bank's  principal  sources of funds are  deposits,  principal  and  interest
payments  on loans,  deposits  in other  insured  institutions,  and  investment
securities.  While  scheduled  loan  repayments  and  maturing  investments  are
relatively  predictable,   deposit  flows  and  early  loan  payments  are  more
influenced by interest  rates,  general  economic  conditions  and  competition.
Additional  sources of funds may be obtained  from the Federal Home Loan Bank of
Des Moines by utilizing numerous available products to meet funding needs.

The Bank is required to maintain  minimum  levels of liquid assets as defined by
regulations.   The  required   percentage  is  currently  four  percent  of  net
withdrawable savings deposits and borrowings payable on demand or in one year or
less.  The Bank has  maintained  its  liquidity  ratio at levels  exceeding  the
minimum  requirement.  The  eligible  liquidity  ratio at December  31, 1997 was
7.77%.

In light of the  competition  for  deposits,  the Bank may  utilize  the funding
sources of the Federal  Home Loan Bank of Des Moines  (FHLB) to meet loan demand
in accordance  with the Bank's growth plans.  The wholesale  funding sources may
allow the Bank to obtain a lower  cost of funding  and  create a more  efficient
liability match to the respective assets being funded.

For purposes of the cash flows,  all short-term  investments  with a maturity of
three months or less at the date of purchase are  considered  cash  equivalents.
Cash and cash  equivalents for the periods ended December 31, 1997 and 1996 were
$7,205,037 and  $6,939,086,  respectively.  The increase was primarily due to an
increase in net cash provided by operating activities and a decrease in net cash
used in investing activities.

Net cash provided by financing  activities  decreased from  $13,129,796  for the
nine months ended  December 31, 1996, to  $10,845,058  for the nine months ended
December 31, 1997. The decrease was due primarily to a reduction in net proceeds
from FHLB advances in the amount of $8,500,000 off-set by an increase in savings
deposits of $5,180,187.

                                       9

<PAGE>

RECENT ACCOUNTING DEVELOPMENTS
------------------------------

The Company will adopt SFAS Nos. 125 and 127 relating to transfers and servicing
of financial  assets and  extinguishments  of liabilities  during 1997 and 1998,
according to the required  implementation  dates. SFAS No. 125, adopted April 1,
1997,  did not have a material  effect on the  financial  position or results of
operations.  The  adoption  of SFAS No. 127 is not  expected  to have a material
effect on the financial position or results of operations.

SFAS No. 130,  "Reporting  Comprehensive  Income",  requires  the  reporting  of
comprehensive income and its components in the fiscal 1999 financial statements.
Comprehensive  income is defined as the change in equity from  transactions  and
other events and circumstances from non-owner sources,  and excludes investments
by and  distributions  to owners.  Comprehensive  income includes net income and
other items of  comprehensive  income meeting the above criteria.  The Company's
most  significant  component  of other  comprehensive  income is the  unrealized
holding gains and losses on available for sale securities.

SFAS  No.  131,  "Disclosures  about  Segments  of  an  Enterprise  and  Related
Information" requires reporting about operating segments, products and services,
geographic areas, and major customers.  Its objective is to provide  information
about the different  types of business  activities and economic  environments in
which  businesses  operate.  The  adoption  of SFAS No. 131 is not  expected  to
require any additional disclosure during fiscal 1999.

YEAR 2000 COMPLIANCE
--------------------

The Company utilizes and is dependent upon data processing  systems and software
to conduct its business.  The data processing systems and software include those
developed and maintained by the Company's data processor and purchased  software
which is run on in-house  computer  networks.  In 1997 the  Company  initiated a
review and  assessment  of all  hardware  and  software to confirm  that it will
function  properly in the year 2000.  The  Company's  data  processor  and those
vendors which have been contacted  have  indicated  that their  hardware  and/or
software  will be Year 2000  compliant by the end of 1998.  This will allow time
for the testing for compliance. While there may be some expenses incurred during
the  next  two  years,  it is not  expected  to have a  material  effect  on the
Company's consolidated financial condition or results of operations.

PENDING LEGISLATION
-------------------

Legislation  enacted in 1996 provides that the Bank  Insurance  Fund ("BIF") and
the Savings Association Insurance Fund ("SAIF") will merge on January 1, 1999 if
there are no more savings  associations as of that date. Several bills have been
introduced  in the current  Congress  that would  eliminate  the federal  thrift
charter  and  the  OTS.  The  bills  would  require  that  all  federal  savings
associations  convert to national  banks or state  depository  institutions  and
would  treat all state  savings  associations  as state  banks for  purposes  of
federal banking laws. Subject to a narrow grandfathering  provision, all savings
and loan holding  companies  would  become  subject to the same  regulation  and
activities  restrictions as bank holding companies under the pending legislative
proposals. The legislative proposals would also abolish the OTS and transfer its
functions to the federal bank regulators with respect to the institutions and to
the Board of  Governors  of the  Federal  Reserve  System  with  respect  to the
regulation  of  holding  companies.  The Bank is unable to predict  whether  the
legislation will be enacted or, given such uncertainty,  determine the extent to
which the  legislation,  if enacted would affect its business.  The Bank is also
unable to predict whether the SAIF and BIF will eventually be merged.

                                       10

<PAGE>

                           PART II - OTHER INFORMATION


Item 1.   Legal Proceedings
          -----------------

          None.


Item 2.   Changes in Securities
          ---------------------

          None.


Item 3.   Defaults Upon Senior Securities
          -------------------------------

          None.


Item 4.   Submission of Matters to a Vote of Security Holders
          ---------------------------------------------------

          None.


Item 5.   Other Information
          -----------------

          On September 18, 1997, the Company's Board of Directors authorized the
          purchase of 42,968 shares of the Company's common stock to be acquired
          over  the next  twelve  months  and  notified  the  Office  of  Thrift
          Supervision (OTS) in compliance with OTS Regulations.

          As of December 31, 1997, the Company held 234,440 shares of its common
          stock as treasury stock at an aggregate  purchase price of $3,237,147.
          During the period the company  acquired  35,800 shares of common stock
          at an aggregate purchase price of $641,745.

          On August 7, 1997, Hardin Federal Savings Bank began construction on a
          new branch office at 200 North Spartan Drive, Richmond,  Missouri. The
          3,200 square feet office  building will feature 3 drive-up  lanes,  an
          ATM lane, and a fully-finished walk-out basement at an estimated total
          cost of $760,000. Completion is expected in March, 1998.


Item 6.   Exhibits and Reports on Form 8-K
          --------------------------------

          Exhibits:

          27 - Financial Data Schedule

          Reports on Form 8-K:

          None.

                                       11

<PAGE>

                                   SIGNATURES

Pursuant  to the  requirement  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.


                              HARDIN BANCORP, INC.
                                   Registrant



Date:  February 12, 1998                     Robert W. King
       -----------------                     -----------------------------------
                                             Robert W. King, President and Chief
                                             Executive Officer (Duly Authorized
                                             Officer)



Date:  February 12, 1998                     Karen K. Blankenship
       -----------------                     -----------------------------------
                                             Karen K. Blankenship, Senior Vice
                                             President and Secretary (Principal
                                             Accounting Officer)


                                       12