SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                   FORM 10-QSB


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

        For the quarterly period ended December 31, 1999

                                       OR

[  ]    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 0-26560

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


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


     201 Northeast Elm Street, Hardin, Missouri             64035
--------------------------------------------------------------------------------
       (Address of principal executive offices)           (Zip code)



Registrant's telephone number, including area code:  (660) 398-4312


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  [   ]


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

           Class                             Outstanding at December 31, 1999
--------------------------------------------------------------------------------
Common stock, .01 par value                              732,753
<PAGE>
                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                                    CONTENTS


PART I

FINANCIAL INFORMATION

Item 1.

Unaudited Financial Statements

    Consolidated Balance Sheets

    Consolidated Statements of Earnings

    Consolidated Statements of Stockholders' Equity

    Consolidated Statements of Cash Flows

    Notes to Consolidated Financial Statements

Item 2.

Management's Discussion and Analysis of
Financial Condition and Results of
Operations

PART II

OTHER INFORMATION

Signatures
<PAGE>
<TABLE>
<CAPTION>
                                          Hardin Bancorp, Inc. and Subsidiaries
                                               Consolidated Balance Sheets



                                                                        December 31, 1999    March 31, 1999
                                                                           -------------      -------------
                                                                            (Unaudited)
<S>                                                                        <C>                <C>
                                     Assets
Cash                                                                       $   1,221,624      $     838,044
Interest bearing deposits                                                      2,333,768          4,156,648
Investment securities available-for-sale                                      37,402,809         44,519,193
Mortgage-backed securities available-for-sale                                 11,674,853         12,584,419
Loans receivable, net                                                         75,655,320         69,504,900
Accrued interest receivable:
     Investment securities                                                       453,857            501,114
     Mortgage-backed securities                                                   82,627             91,008
     Loans receivable                                                            528,641            456,003
Real estate owned                                                                 93,051               --
Premises and equipment                                                         1,817,822          1,832,311
Stock in Federal Home Loan Bank (FHLB) of Des Moines, at cost                  2,015,000          2,000,000
Deferred income taxes receivable                                               1,014,169            188,000
Prepaid expenses and other assets                                                332,647            384,481
                                                                           -------------      -------------
Total assets                                                               $ 134,626,188      $ 137,056,121
                                                                           =============      =============
                      Liabilities and Stockholders' Equity
Liabilities:
     Deposits                                                              $  85,367,822      $  83,326,871
     Advances from borrowers for property taxes and insurance                    195,402            294,424
     Advances from FHLB                                                       36,300,000         40,000,000
     Accrued interest payable                                                     43,845             40,949
     Current income taxes payable                                                157,481            159,367
     Accrued expenses and other liabilities                                      706,695            674,969
                                                                           -------------      -------------
Total liabilities                                                            122,771,245        124,496,580
                                                                           -------------      -------------
Stockholders' equity:
     Serial preferred stock, $.01 par value;
         500,000 shares authorized, none issued or outstanding                      --                 --
     Common stock, $.01 par value; 3,500,000 shares authorized,
         1,058,000 shares issued                                                  10,580             10,580
     Additional paid in capital                                               10,306,031         10,252,604
     Retained earnings                                                         8,613,165          8,097,420
     Accumulated other comprehensive loss                                     (1,800,757)          (394,038)
     Unearned employee benefits                                                 (481,446)          (643,395)
     Treasury stock (325,247 and 323,247 shares at cost, respectively)        (4,792,630)        (4,763,630)
                                                                           -------------      -------------
Total stockholders' equity                                                    11,854,943         12,559,541

                                                                           -------------      -------------
Total liabilities and stockholders' equity                                 $ 134,626,188      $ 137,056,121
                                                                           =============      =============
</TABLE>

See accompanying notes to unaudited consolidated financial statements.
<PAGE>
<TABLE>
<CAPTION>
                      Hardin Bancorp, Inc. and Subsidiaries
                       Consolidated Statements of Earnings
                                   (Unaudited)

                                             Three months ended            Nine months ended
                                                December 31,                   December 31,
                                         -------------------------     -------------------------
                                            1999           1998           1999           1998
                                         ----------     ----------     ----------     ----------
<S>                                      <C>            <C>            <C>            <C>
Interest income:
     Loans receivable                    $1,553,225     $1,360,212     $4,466,300     $4,025,967
     Mortgage-backed securities             173,909        242,204        506,493        789,541
     Investment securities                  665,967        465,084      2,008,297      1,609,782
     Other                                   57,135        150,108        179,933        307,932
                                         ----------     ----------     ----------     ----------
Total interest income                     2,450,236      2,217,608      7,161,023      6,733,222
                                         ----------     ----------     ----------     ----------

Interest expense:
     Deposits                               939,397        980,127      2,824,791      2,942,508
     FHLB advances                          488,864        518,990      1,448,085      1,523,891
                                         ----------     ----------     ----------     ----------
Total interest expense                    1,428,261      1,499,117      4,272,876      4,466,399
                                         ----------     ----------     ----------     ----------

Net interest income                       1,021,975        718,491      2,888,147      2,266,823

Provision for loan losses                      --           18,800          1,297         50,000
                                         ----------     ----------     ----------     ----------

Net interest income after provision
     for loan losses                      1,021,975        699,691      2,886,850      2,216,823
                                         ----------     ----------     ----------     ----------

Non-interest income:
     Service charges                        155,170        129,933        441,389        297,592
     Loan servicing fees                      6,849          5,571         22,502         21,621
     Gain on sale of loans                     --           75,063          9,331         90,061
     Gain on sale of investments and
        mortgage-backed securities             --          318,750          7,164        449,796
     Other                                   65,485         42,488        197,607         97,226
                                         ----------     ----------     ----------     ----------
Total non-interest income                   227,504        571,805        677,993        956,296
                                         ----------     ----------     ----------     ----------

Non-interest expense:
     Compensation and benefits              376,393        349,178      1,085,855      1,007,095
     Occupancy and equipment                 63,287         57,618        196,445        176,398
     Federal insurance premiums              12,622         11,507         36,604         35,183
     Data processing                         52,121         40,298        152,436        124,216
     Real estate owned                        1,580           --            2,706           --
     Other                                  211,619        185,169        646,487        532,973
                                         ----------     ----------     ----------     ----------
Total non-interest expense                  717,622        643,770      2,120,533      1,875,865
                                         ----------     ----------     ----------     ----------

Earnings before income taxes                531,857        627,726      1,444,310      1,297,254

Income tax expense                          181,203        227,884        488,113        467,663
                                         ----------     ----------     ----------     ----------

Net earnings                             $  350,654     $  399,842     $  956,197     $  829,591
                                         ==========     ==========     ==========     ==========

Net earnings per share:
     Basic                               $     0.51     $     0.58     $     1.39     $     1.12
                                         ==========     ==========     ==========     ==========
     Diluted                                   0.49           0.55           1.34           1.07
                                         ==========     ==========     ==========     ==========
</TABLE>

See accompanying notes to unaudited consolidated financial statements.
<PAGE>
<TABLE>
<CAPTION>
                                                                Hardin Bancorp, Inc. and Subsidiaries
                                                           Consolidated Statements of Stockholders' Equity
                                                             For the Nine Months Ended December 31, 1999
                                                                             (Unaudited)



                                                                                                 Accumulated
                                                                  Additional                       Other           Unearned
                                                    Common         Paid-in        Retained      Comprehensive      Employee
                                                     Stock         Capital        Earnings          Loss           Benefits
                                                 -------------- --------------- --------------  -------------  -----------------
<S>                                              <C>            <C>             <C>             <C>            <C>
Balance at  March 31, 1999                            $ 10,580      10,252,604      8,097,420       (394,038)          (643,395)
Comprehensive income:
     Net earnings                                            -               -        956,197              -                  -
     Change in net unrealized loss on securities
       available for sale, net of tax                        -               -              -     (1,406,719)                 -
                                                 -------------- --------------- --------------  -------------  -----------------
            Total comprehensive income (loss)                -               -        956,197     (1,406,719)                 -
                                                 -------------- --------------- --------------  -------------  -----------------
Allocation of ESOP shares                                    -          53,427              -              -             88,680
Amortization of recognition and retention plan               -               -              -              -             73,269
Repurchase of common stock                                   -               -              -              -                  -
Dividends declared ($.20 per share)                          -               -       (440,452)             -                  -
                                                 -------------- --------------- --------------  -------------  -----------------
Balance at December 31, 1999                          $ 10,580    $ 10,306,031      8,613,165     (1,800,757)          (481,446)
                                                 ============== =============== ==============  =============  =================
<CAPTION>
                                                                        Total
                                                      Treasury      Shareholders'
                                                        Stock          Equity
                                                    --------------  --------------
<S>                                                 <C>             <C>
Balance at  March 31, 1999                             (4,763,630)     12,559,541
Comprehensive income:
     Net earnings                                               -         956,197
     Change in net unrealized loss on securities
       available for sale, net of tax                           -      (1,406,719)
                                                    --------------  --------------
            Total comprehensive income (loss)                   -        (450,522)
                                                    --------------  --------------
Allocation of ESOP shares                                       -         142,107
Amortization of recognition and retention plan                  -          73,269
Repurchase of common stock                                (29,000)        (29,000)
Dividends declared ($.20 per share)                             -        (440,452)
                                                    --------------  --------------
Balance at December 31, 1999                           (4,792,630)     11,854,943
                                                    ==============  ==============
</TABLE>

See accompanying notes to unaudited consolidated financial statements.
<PAGE>
<TABLE>
<CAPTION>
                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
              For the Nine Months Ended December 31, 1999 and 1998
                                   (Unaudited)

                                                                                1999                1998
                                                                            ------------           -------
<S>                                                                         <C>                    <C>
Operating Activities:
Net Earnings                                                                $    956,197           829,591
Adjustments to reconcile net earnings
       to net cash provided by operating activities:
            Provision for losses on loans                                          1,297            50,000
            Depreciation                                                         105,497            97,819
            Premium accretion and amortization
                 of discounts and deferred loan fees, net                         42,969          (171,741)
            Net gain on sale of loans and investment and
                 mortgage-backed securities                                      (16,495)         (539,857)
            Origination of loans held for sale                                      --          (3,204,865)
            Proceeds from sales of loans                                         674,218         3,485,600
            Allocation of ESOP shares                                            142,107              --
            Amortization of deferred Recognition
                 and Retention Plan (RRP)                                         73,269            66,457
            Changes in asset and liabilities:
                      Interest receivable                                        (17,000)           84,459
                      Other assets                                                51,834          (106,775)
                      Accrued interest payable                                     2,896             9,951
                      Accrued expense and other liabilities                       17,431           206,726
                      Income taxes payable                                        (1,886)          (60,538)
                                                                            ------------      ------------
Net cash provided by operating activities                                      2,032,334           746,827
                                                                            ------------      ------------
Investing Activities:
            Net increase in loans receivable                                  (6,591,703)       (6,034,725)
            Principal payments on mortgage-backed & related securities:
                 Available-for-sale                                            5,870,049         4,186,148
                 Held-to-maturity                                                   --           1,026,694
            Proceeds from sales of available-for-sale
                 mortgage-backed securities                                      363,166              --
            Purchase of available-for-sale investment securities              (1,810,904)      (32,244,489)
            Purchase of loans serviced by other institutions                    (328,406)             --
            Proceeds from maturities of available-for-sale
                 investment securities                                           340,000         8,000,000
            Proceeds from sales of available for sale
                 investment securities                                         1,005,400        18,341,167
            Purchase of stock in FHLB of Des Moines                              (15,000)         (500,000)
            Purchase of office properties and equipment                          (91,008)         (203,560)
                                                                            ------------      ------------
Net cash used in investing activities                                       $ (1,258,406)       (7,428,765)
                                                                            ------------      ------------
<PAGE>
<CAPTION>
                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
              For the Nine Months Ended December 31, 1999 and 1998
                                   (Unaudited)
                                                                                1999                1998
                                                                            ------------           -------
<S>                                                                         <C>                    <C>
Financing Activities:
            Net increase in savings deposits                                $  2,040,951         4,675,977
            Proceeds from FHLB advances                                       26,800,000        18,000,000
            Repayments of FHLB advances                                      (30,500,000)      (12,500,000)
            Net decrease in advances from borrowers
                 for taxes and insurance                                         (99,022)         (121,569)
            Payment of dividends                                                (426,157)         (343,816)
            Purchase of treasury stock                                           (29,000)       (1,446,854)
                                                                            ------------      ------------
Net cash (used in) provided by financing activities                           (2,213,228)        8,263,738
                                                                            ------------      ------------

(Decrease) increase in cash                                                   (1,439,300)        1,581,800

Cash and equivalents at beginning of period                                    4,994,692         3,781,801
                                                                            ------------      ------------
Cash and equivalents at end of period                                       $  3,555,392         5,363,601
                                                                            ============      ============

Supplemental disclosure of cash flow information:
    Cash paid for:
                 Interest                                                   $  4,269,980         4,456,448
                 Income taxes, net of refunds                               $    489,999           528,201
Non-cash investing and financing:
            Dividends declared and payable                                  $    146,951           118,319
            Loans transferred to real estate owned                          $     93,051              --
            Transfer of investment and mortgage-backed securities
                 from held-to-maturity to available-for-sale                        --          19,951,798
</TABLE>

See accompanying notes to unaudited consolidated financial statements.
<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 Company's  Annual Report for the year ended
         March 31, 1999, 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 statement of earnings for the nine-month  period ended December 31,
         1999  is not  necessarily  indicative  of  the  results,  which  may be
         expected for the entire year. The March 31, 1999  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.

         The shares used in the  calculation  of basic and diluted  earnings per
         share are shown below:
<TABLE>
<CAPTION>
                                                  For the three months ended        For the nine months ended
                                                        December 31,                      December 31,
                                                     1999          1998                1999          1998
                                                     ----          ----                ----          ----
<S>                                                    <C>           <C>                 <C>           <C>
Basic weighted average shares                          689,516       691,546             690,093       738,664
Common stock equivalents/stock options                  22,024        30,833              24,399        33,059
                                                 ----------------------------     -----------------------------
Diluted weighted average shares                        711,540       722,379             714,492       771,723
                                                 ============================     =============================
</TABLE>

(3) Comprehensive Income

         On  April  1,  1998  the  Company  adopted  SFAS  No.  130,  "Reporting
         Comprehensive  Income" which  requires the  reporting of  comprehensive
         income  and its  components.  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 only
         component of other comprehensive income is the unrealized holding gains
         and losses on available-for-sale securities.
<TABLE>
<CAPTION>
                                               For the three months ended          For the nine months ended
                                                      December 31,                        December 31,
                                                   1999            1998               1999            1998
                                                   ----            ----               ----            ----
<S>                                                 <C>            <C>              <C>               <C>
Unrealized holding gains (losses)                   (837,496)      (129,924)        (2,225,724)        154,655
Less:  reclassification adjustment
           for gains included in net income                -        318,750              7,164         449,796
                                              ------------------------------      -----------------------------
Net unrealized gains (losses) on securities         (837,496)      (448,674)        (2,232,888)       (295,141)
Income tax  benefit (expense)                        309,873       (163,923)           826,169        (107,116)
                                              ------------------------------      -----------------------------
Other comprehensive income (loss)                   (527,623)      (284,751)        (1,406,719)       (188,025)
                                              ==============================      =============================
</TABLE>
<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 (the "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
(the "SAIF"),  which together with the Bank Insurance Fund (the "BIF"),  are the
two insurance funds administered by the FDIC.

FINANCIAL CONDITION

Consolidated assets of Hardin Bancorp, Inc. were $134,626,188 as of December 31,
1999, as compared to $137,056,121,  on March 31, 1999, a decrease of $2,429,933.
The  decrease  was  primarily  due to a decrease in  investment  securities  and
interest-bearing deposits partially offset by an increase in loans.

Loans  receivable,  net,  increased  to  $75,655,320  on December  31, 1999 from
$69,504,900  on March 31,  1999,  an  increase  of  $6,150,420.  Mortgage-backed
securities  decreased  $909,566  to  $11,674,853  on  December  31,  1999,  from
$12,584,419  on March 31, 1999. The decrease in  mortgage-backed  securities and
the increase in loans reflect the Bank's plan to increase the loan portfolio and
decrease mortgage-backed securities.
<PAGE>
Cash, interest bearing deposits and investment  securities  decreased $8,555,684
from  $49,513,885  on March 31, 1999, to  $40,958,201  on December 31, 1999. The
decrease was due to investment  funds being  utilized to repay FHLB advances and
originate mortgage and consumer loans.

Deposits  totaled  $85,367,822  on December 31, 1999,  an increase of $2,040,951
from  $83,326,871  on March 31, 1999. The increase in deposits was primarily due
to a successful  special  certificate  of deposit  promotion and the Bank's high
performance checking account program.

Stockholders'   equity  was  $11,854,943  on  December  31,  1999,  compared  to
$12,559,541  on March 31,  1999.  The decrease in  stockholders'  equity was the
result of an increase in the unrealized loss on investment  securities offset by
the  increase  in retained  earnings  and by a  reduction  in unearned  employee
benefits.

RESULTS OF OPERATIONS

Net earnings for the  Company's  quarter  ended  December 31, 1999 were $350,654
compared to $399,842 for the comparable  quarter in 1998.  The relatively  small
decrease in earnings  was  primarily  due to a reduction in the gain on sales of
loans, investments and mortgage-backed securities,  offset by an increase in net
interest income after provision for loan losses.

Basic  earnings  per share for the quarter  ended  December  31, 1999 were $0.51
while diluted  earnings per share were $0.49.  Basic  earnings per share for the
quarter ended December 31, 1999 were calculated  based on 689,516 average shares
outstanding  and diluted  earnings  per share were  calculated  based on 711,540
average shares outstanding.  Basic earnings per share for the comparable quarter
ended December 31, 1998 were $0.58 while diluted  earnings per share were $0.55.
Basic earnings per share for the quarter ended December 31, 1998 were calculated
based on 691,546 average shares  outstanding and diluted earnings per share were
calculated based on 722,379 average shares outstanding.

Net  interest  income after  provision  for loan losses was  $1,021,975  for the
quarter  ended  December  31, 1999  compared to $699,691  for the quarter  ended
December 31, 1998, an increase of $322,284.  This increase was a result of total
interest  income  increasing  $232,628 from  $2,217,608 in 1998 to $2,450,236 in
1999 while total interest expense  decreased  $70,856 from $1,499,117 in 1998 to
$1,428,261 in 1999. The increase in total interest income was due to an increase
in the average  yield on interest  earning  assets  while the  decrease in total
interest expense was a result of a decrease in the average cost of deposits.

Total non-interest income decreased from $571,805 for the quarter ended December
31, 1998 to $227,504 for the quarter ended  December 31, 1999.  The decrease was
primarily  due to a  reduction  in gains on the sale of loans,  investments  and
mortgage-backed securities.

The Company's total non-interest expense for the three months ended December 31,
1999 was $717,622  compared to $643,770 for the comparable  quarter in 1998. The
increase was primarily due to increases in  compensation  and benefits  expense,
occupancy and equipment  expense,  data  processing  expense,  and other expense
related to Year 2000 compliance issues.
<PAGE>

Net earnings for the nine months ended December 31, 1999, were $956,197 compared
to  $829,591  for the nine  months  ended  December  31,  1998,  an  increase of
$126,606.  The increase was primarily due to an increase in net interest income,
partially  offset by a reduction in the gain on sale of loans,  investments  and
mortgage-backed securities and by an increase in total non-interest expense.

Basic  earnings per share for the nine months ended December 31, 1999 were $1.39
while diluted  earnings per share were $1.34.  Basic earnings per share for nine
months ended December 31, 1999 were  calculated  based on 690,093 average shares
outstanding  and diluted  earnings  per share were  calculated  based on 714,492
average shares  outstanding.  Basic earnings per share for the nine months ended
December 31, 1998 were $1.12 while diluted earnings per share were $1.07.  Basic
earnings  per  share  for the  similar  period  ended  December  31,  1998  were
calculated based on 738,664 average shares  outstanding and diluted earnings per
share were calculated based on 771,723 average shares outstanding.

Net interest  income after  provision  for loan losses for the nine month period
ended December 31, 1999 was $2,886,650 compared to $2,216,823 for the nine month
period ended December 31, 1998, an increase of $670,027. The increase was due to
an increase in the Bank's net interest margin as total interest income increased
$427,801, while total interest expense decreased $193,523. The increase in total
interest income was due to an increase in loans receivable,  net and an increase
in the  average  yield on  investments,  while the  decrease  in total  interest
expense was a result of growth in lower costing transaction accounts.

Non-interest  income for the nine months ended  December 31, 1999,  was $677,993
compared to $956,296  for the nine month  period a year  earlier,  a decrease of
$278,303.  The  decrease was  primarily  due to a reduction in gains on sales of
loans,  investments and  mortgage-backed  securities.  Other non-interest income
increased by $100,381 primarily due as a result of increased income generated by
the Bank's service corporation and a life insurance benefit.

The Company's  non-interest  expense for the nine months ended December 31, 1999
was  $2,120,533,  compared to $1,875,865  for the nine months ended December 31,
1998,  an  increase  of  $244,668.  The  increase  was  due  to an  increase  in
compensation  and benefits,  occupancy and equipment  expense,  data  processing
expense  and  other  non-interest  expense  related  to Year  2000  issues.  The
approximate  cost incurred by the Company to date for Year 2000  compliance  was
$83,000.

PROVISION FOR LOAN LOSSES

For the three  months  ended  December  31,  1999 the  Company  did not record a
provision  for loan  losses  in  accordance  with its  classification  of assets
policy.  The Company's loan portfolio  consists  primarily of one to four family
loans, and has experienced minimal charge-offs in the past two years.

At December 31, 1999, the Bank's allowance for loan losses was $306,859, or 141%
of  non-performing  assets compared to $311,196,  or 135% at March 31, 1999. The
allowance for loan losses was .41% of total loans at December 31, 1999, compared
to .45% at March 31, 1999.

At December 31, 1999,  non-performing  assets were $217,668 compared to $231,000
at March 31, 1999.  Loans are considered  non-performing  when the collection of
principal  and/or  interest is not probable,  or in the event  payments are more
than 90 days delinquent.
<PAGE>

Management  will  continue  to monitor  its  allowance  for loan losses and make
additions to the  allowance  through the  provision  for loan losses as economic
conditions dictate. Although the Company maintains its allowance for loan losses
at a level  considered  to be adequate,  there can be no  assurance  that future
losses will not exceed estimated amounts or that additional  provisions for loan
losses will not be required in the future.

CAPITAL RESOURCES

The Bank is subject to three capital to asset  requirements  in accordance  with
Office of Thrift Supervision (the "OTS")  regulations.  The following table is a
summary of the Bank's regulatory capital  requirements  versus actual capital at
December 31, 1999.
<TABLE>
<CAPTION>
                                             Actual                         Required                        Excess
                                         Amount/Percent                  Amount/Percent                 Amount/Percent
                                         --------------                  --------------                 --------------
                                                                     (Dollars in Thousands)
<S>                                      <C>                             <C>                            <C>
Tangible Capital                         $12,805/ 9.43%                  $2,038/ 1.50%                  $10,767/ 7.93%

Core Leverage Capital                    $12,805/ 9.43%                  $4,076/ 3.00%                   $8,729/ 6.43%

Risk-based Capital                       $13,106/18.77%                  $5,586/ 8.00%                   $7,520/10.77%
</TABLE>

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 FHLB 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, 1999 was
27.13%.

In light of the  competition  for  deposits,  the Bank may  utilize  the funding
sources of the 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, 1999 and 1998 were
$3,555,392 and  $5,363,601,  respectively.  The decrease was primarily due to an
increase in net cash used in financing activities.
<PAGE>

Net cash provided by financing activities decreased from $8,263,738 for the nine
months ended  December  31, 1998  compared to  ($2,213,228)  for the nine months
ended  December  31,  1999.  The  decrease  in net cash  provided  by  financing
activities   was  due  to  repayments  of  FHLB  advances  and  a  reduction  in
available-for-sale securities.

RECENT ACCOUNTING DEVELOPMENTS

In June 1999,  the  Financial  Accounting  Standards  board issued SFAS No. 137,
"Accounting for Derivative  Instruments and Hedging Activities - Deferral of the
Effective Date of FASB  Statement No. 133." This statement  amends SFAS No. 133,
"Accounting for Derivative  Instruments and Hedging  Activities,  " to defer its
effective  date.  SFAS No. 137 is effective  for all fiscal  quarters  beginning
after June 15, 2000,  however the Company adopted the provisions of SFAS No. 133
at July 1,  1998  and  utilized  an  option  to  transfer  its  held-to-maturity
investment security portfolio to available-for-sale. Accordingly, all unrealized
gains and losses  were  recorded  at that date.  The  Company  does not have any
financial instruments  considered to be derivatives under the provisions of SFAS
No. 133.

YEAR 2000 COMPLIANCE

Hardin Bancorp,  Inc. had a successful  transition to year 2000 processing.  The
Company  will  continue to monitor all  processing  to ensure that no Y2K issues
arise in the future.  The Company has taken the necessary  steps to validate and
test its contingency/business resumption plan in order to minimize the impact on
operations should there be system failures in the future.

FORWARD LOOKING STATEMENT

This  Quarterly  Report  on  Form  10-Q  may  contain  certain   forward-looking
statements  consisting  of estimates  with respect to the  financial  condition,
results of  operations  and  business of the Company that are subject to various
factors  which  could  cause  actual  results  to differ  materially  from these
estimates.  These  factors  include,  but are not limited to,  general  economic
conditions,  changes in interest rates,  deposit flows, loan demand, real estate
values  and  competition;   changes  in  accounting   principles,   policies  or
guidelines;   changes  in  legislation  or  regulation;   and  other   economic,
competitive,  governmental,  regulatory and technological  factors affecting the
Company's operations, pricing, products and services.
<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  November  1,  1999,  the Bank  formed a new  subsidiary,  Hardin
            Investment Limited Liability  Company.  The purpose of the formation
            of this new subsidiary is to hold certain investment securities.

            As of December  31, 1999,  the Company  held  325,247  shares of its
            common  stock as treasury  stock at an aggregate  purchase  price of
            $4,792,630.

            On  December  16,  1999 the Board of  Directors  declared a $.20 per
            share  cash  dividend  to all  stockholders  of record on January 7,
            2000, payable on January 21, 2000.

Item 6.     Exhibits and Reports on Form 8-K

            Exhibits:

            27 - Financial Data Schedule

            Reports on Form 8-K:

            None.
<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 14, 2000                      /s/ Robert W. King
      -----------------                      ------------------
                                             Robert W. King, President and Chief
                                             Executive Officer (Duly Authorized
                                             Officer)



Date: February 14, 2000                      /s/ Karen K. Blankenship
      -----------------                      ------------------------
                                             Karen K. Blankenship, Senior Vice
                                             President and Secretary (Principal
                                             Accounting Officer)