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, 1998

                                       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:  (660) 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  classes of
common stock as of the latest practicable date.


                Class                      Outstanding at December 31, 1998
     ---------------------------           --------------------------------
     Common stock, .01 par value                        739,492

<PAGE>

                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                                    CONTENTS


                                                                            PAGE
                                                                            ----
PART I

FINANCIAL INFORMATION

Item 1.

Unaudited Financial Statements

  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
                                   (Unaudited)


                                              December 31, 1998   March 31, 1998
                                              -----------------   --------------
                   Assets
                   ------
Cash ........................................   $    954,714       $    556,927
Interest bearing deposits ...................      4,408,887          3,224,874
Investment securities:                                            
  Held-to-maturity ..........................              0         10,000,000
  Available-for-sale ........................     36,463,072         22,656,010
Mortgage-backed securities:                                       
  Held-to-maturity ..........................              0         10,995,511
  Available-for-sale ........................     16,237,131          8,019,725
Loans receivable, net .......................     67,055,955         61,273,984
Accrued interest receivable on:                                   
  Investment securities .....................        230,601            359,601
  Mortgage-backed securities ................        111,094            133,459
  Loans receivable ..........................        462,044            395,138
Premises and equipment ......................      1,831,124          1,725,383
Stock in Federal Home Loan Bank (FHLB)                            
  of Des Moines, at cost ....................      1,975,000          1,475,000
Prepaid expenses and other assets ...........        383,267            276,492
                                                ============       ============
Total assets ................................   $130,112,889       $121,092,104
                                                ============       ============
                                                                  
    Liabilities and Stockholders' Equity                              
    ------------------------------------
Liabilities:                                                      
  Deposits ..................................   $ 81,560,439       $ 76,884,462
  Advances from borrowers for property                            
    taxes and insurance .....................        142,748            264,317
  Advances from FHLB ........................     35,000,000         29,500,000
  Accrued interest payable ..................         66,100             56,149
  Income taxes payable:                                           
    Current .................................        262,982            323,520
    Deferred ................................        (92,115)            15,000
  Accrued expenses and other liabilities ....        765,744            571,084
                                                ------------       ------------
Total liabilities ...........................    117,705,898        107,614,532
                                                ------------       ------------
Stockholders' equity:                                             
  Common stock, $.01 par value; 3,500,000                         
    shares authorized, 1,058,000 shares                           
    issued ..................................         10,580             10,580
                                                                  
  Serial preferred stock, $.01 par value;                         
    500,000 shares authorized, none issued                        
    or outstanding ..........................              0                  0
  Additional paid in capital ................     10,165,436         10,165,436
  Retained earnings .........................      7,980,161          7,482,320
  Accumulated other comprehensive loss ......       (286,351)           (98,326)
  Unearned employee stock ownership plan ....       (518,280)          (518,280)
  Deferred recognition and retention plan ...       (260,554)          (327,011)
  Treasury stock (318,508 and 234,440,                            
    shares at cost, respectively) ...........     (4,684,001)        (3,237,147)
                                                ------------       ------------
Total stockholders' equity ..................     12,406,991         13,477,572
                                                                  
                                                ============       ============
Total liabilities and stockholders' equity ..   $130,112,889       $121,092,104
                                                ============       ============
                                                               
See accompanying notes to unaudited consolidated financial statements.


                                       1

<PAGE>


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

<TABLE>
<CAPTION>

                                              Three months ended        Nine months ended
                                                 December 31               December 31
                                            ----------------------   -----------------------
                                               1998        1997         1998        1997
                                               ----        ----         ----        ----
Interest income:
<S>                                        <C>          <C>          <C>          <C>       
     Loans receivable ..................   $1,360,212   $1,216,168   $4,025,967   $3,544,154
     Mortgage-backed securities ........      242,204      314,122      789,541      913,308
     Investment securities .............      465,084      453,297    1,609,782    1,311,529
     Other .............................      150,108      117,974      307,932      329,969
                                           ----------   ----------   ----------   ----------
Total interest income ..................    2,217,608    2,101,561    6,733,222    6,098,960
                                            ---------    ---------    ---------    ---------

Interest expense:
     Deposits ..........................      980,127      981,643    2,942,508    2,866,427
     FHLB advances .....................      518,990      362,986    1,523,891      973,306
                                           ----------   ----------   ----------   ----------
Total interest expense .................    1,499,117    1,344,629    4,466,399    3,839,733
                                            ---------    ---------    ---------    ---------
Net interest income ....................      718,491      756,932    2,266,823    2,259,227
Provision for loan losses ..............       18,800       24,094       50,000       78,671
                                               ------       ------       ------       ------
et interest income after provision
     for loan losses ...................      699,691      732,838    2,216,823    2,180,556
                                              -------      -------    ---------    ---------
Non-interest income:
     Service charges ...................      129,933       39,190      297,592       93,579
     Loan servicing fees ...............        5,571        9,718       21,621       26,055
     Gain on sale of loans held for sale       75,063       23,877       90,061       40,319
     Gain on sale of real estate owned .            0        1,553            0        5,658
     Gain on sale of investments and
         mortgage-backed securities ....      318,750       15,482      449,796       65,304
     Other .............................       42,488       36,949       97,226       88,919
                                           ----------   ----------   ----------   ----------
Total non-interest income ..............      571,805      126,769      956,296      319,834
                                              -------      -------      -------      -------

Non-interest expense:
     Compensation and benefits .........      349,178      253,285    1,007,095      829,459
     Occupancy and equipment ...........       57,618       37,781      176,398       99,957
     Federal insurance premiums ........       11,507       11,747       35,183       33,808
     Data processing ...................       40,298       27,304      124,216       76,638
     Other .............................      185,169      183,797      532,973      467,349
                                           ----------   ----------   ----------   ----------
Total non-interest expense .............      643,770      513,914    1,875,865    1,507,211
                                              -------      -------    ---------    ---------

Earnings before income taxes ...........      627,726      345,693    1,297,254      993,179
Income tax expense .....................      227,884      126,267      467,663      365,336
                                           ----------   ----------   ----------   ----------
Net earnings ...........................   $  399,842   $  219,426   $  829,591   $  627,843
                                           ==========   ==========   ==========   ==========
Net earnings per share:
     Basic .............................   $     0.58   $     0.29   $     1.12   $     0.80
                                           ==========   ==========   ==========   ==========
     Diluted ...........................         0.55         0.28         1.07         0.78
                                                 ====         ====         ====         ====
</TABLE>


See accompanying notes to unaudited consolidated financial statements.

                                       2


<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                 Consolidated Statements of Stockholders' Equity
                   For the Nine Months Ended December 31, 1998
                                   (Unaudited)
<TABLE>
<CAPTION>

                                                                  Unrealized        Unearned
                                         Additional              Gain or (loss)     Employee                             Total
                                 Common   Paid-in      Retained       on             Stock       Deferred   Treasury  Shareholders'
                                  Stock   Capital      Earnings  Securities, net Ownership Plan    RRP       Stock       Equity
                                  -----   -------      --------  --------------- --------------  --------    -----       ------
<S>               <C> <C>        <C>     <C>          <C>           <C>            <C>          <C>       <C>          <C>       
Balance at  March 31, 1998 ....  $10,580 10,165,436   7,482,320     (98,326)       (518,280)    (327,011) (3,237,147)  13,477,572
Comprehensive income:                                                                                     
     Net earnings .............        0          0     829,591           0               0            0           0      829,591
Change in net unrealized                                                                                  
 loss on securities                                                                                       
 available for sale, net of tax        0          0           0    (188,025)              0            0           0     (188,025)
                                  ------ ---------- -----------    --------        --------  -----------  ----------  -----------
     Total comprehensive income        0          0     829,591    (188,025)              0            0           0      641,566
                                  ------ ---------- -----------    --------        --------  -----------  ----------  -----------
Purchase of 84,068 shares of                                                                              
 treasury stock ...............        0          0           0           0               0            0  (1,446,854)  (1,446,854)
Amortization of recognition                                                                               
 and retention plan ...........        0          0           0           0               0       66,457           0       66,457
Dividends declared ............        0          0    (331,750)          0               0            0           0     (331,750)
                                  ====== ========== ===========    ========        ========  ===========  ==========  ===========
Balance at December  31, 1998 .   10,580 10,165,436   7,980,161    (286,351)       (518,280)    (260,554) (4,684,001)  12,406,991
                                  ====== ========== ===========    ========        ========  ===========  ==========  ===========
                                                                                                        
</TABLE>


See accompanying notes to unaudited consolidated financial statements.


                                       3
<PAGE>


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



                                                       1998              1997
                                                   ------------      -----------
Operating Activities:
Net Earnings ...................................   $    829,591         627,843
Adjustments to reconcile net earnings
 to net cash provided by operating
  activities:
    Provision for losses on loans ..............         50,000          78,671
    Depreciation ...............................         97,819          49,358
    Premium accretion and amortization
       of discounts and deferred loan fees, net        (171,741)         68,150
    Net gain on sale of loans and investment
       and mortgage-backed securities ..........       (539,857)       (105,623)
    Gain on real estate owned ..................              0          (5,658)
    Proceeds from sale of loans ................      3,485,600               0
    Origination of loans held for sale .........     (3,204,865)              0
    Amortization of deferred Recognition
       and Retention Plan (RRP) ................         66,457          63,516
    Changes in asset and liabilities:
          Interest receivable ..................         84,459        (203,954)
          Other assets .........................       (106,775)         (7,125)
          Accrued interest payable .............          9,951          43,610
          Accrued expense and other liabilities         206,726         198,272
          Income taxes payable .................        (60,538)        123,983
                                                   ------------    ------------
Net cash (used in) provided by
 operating activities ..........................        746,827         931,043
                                                   ------------    ------------

Investing Activities:
 Net increase in loans receivable ..............     (6,034,725)     (4,400,198)
 Purchase of loans receivable ..................              0      (1,072,050)
 Principal payments on mortgage-backed &
  related securities:
    Available-for-sale .........................      4,186,148       5,652,390
    Held-to-maturity ...........................      1,026,694       1,629,717
 Purchase of available-for-sale mortgage-
  backed securities ............................              0      (7,819,121)
 Proceeds from sales of available-for-sale
    mortgage-backed securities .................              0       4,895,433
 Purchase of available-for-sale
   investment securities .......................    (32,244,489)    (22,559,088)
 Proceeds from maturities of available-for-sale
   investment securities .......................      8,000,000      12,650,000
 Proceeds from sales of available for sale
    investment securities ......................     18,341,167       3,077,897
 Purchase of stock in FHLB of Des Moines .......       (500,000)       (375,000)
 Proceeds from sales of real estate owned ......              0         117,340
 Purchase of office properties and equipment ...       (203,560)       (634,293)
                                                   ------------    ------------
Net cash used in investing activities ..........     (7,428,765)     (8,836,973)
                                                   ------------    ------------


                                       4

<PAGE>


                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
                  Nine Months Ended December 31, 1998 and 1997
                                   (Unaudited)

                                                       1998             1997
                                                    -----------    -------------
Financing Activities:
  Net increase in savings deposits .............      4,675,977       6,441,352
  Proceeds from FHLB advances ..................     18,000,000      20,500,000
  Repayments of FHLB advances ..................    (12,500,000)    (15,000,000)
  Net decrease in advances from borrowers for
     taxes and insurance .......................       (121,569)       (162,366)
  Payment of dividends .........................       (343,816)       (292,183)
  Purchase of treasury stock ...................     (1,446,854)       (641,745)
                                                    -----------    ------------
Net cash provided by financing activities ......      8,263,738      10,845,058
                                                    -----------    ------------

Increase in cash ...............................      1,581,800       2,939,128

Cash at beginning of period ....................      3,781,801       4,265,909
                                                    -----------    ------------
Cash at end of period ..........................    $ 5,363,601       7,205,037
                                                    ===========    ============

Supplemental disclosure of cash flow
information: Cash paid for:
     Interest ..................................   $  4,456,448       3,796,123
     Income taxes, net of refunds ..............   $    528,201         241,353
Non-cash investing and financing:
  Loans transferred to real estate owned .......              0           8,272
  Dividends declared and payable ...............   $    118,319          98,827
  Transfer of investment and mortgage-backed
    securities from held-to-maturity to
    available-for-sale .........................   $ 19,951,798               0


See accompanying notes to unaudited 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  Company's  Annual  Report  for the year  ended  March 31,  1998,  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, 1998 is not necessarily  indicative of
     the results,  which may be expected for the entire year. The March 31, 1998
     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:

                                        For the three           For the nine
                                         months ended           months ended
                                          December 31            December 31
                                     -------------------    --------------------
                                       1998         1997      1998        1997
                                       ----         ----      ----        ----
     Basic weighted average
      shares ...................     691,546     765,591     738,664     781,389
     Common stock equivalents/
      stock options ............      30,833      32,218      33,059      27,629
                                     -------     -------     -------     -------
     Diluted weighted average
      shares ...................     722,379     797,809     771,723     809,018
                                     =======     =======     =======     =======


(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.


                                       For the three           For the nine
                                       months ended            months ended
                                        December 31             December 31
                                   --------------------    ---------------------
                                     1998         1997        1998        1997
                                     ----         ----        ----        ----
     Unrealized holding gains
      (losses) ...............    (129,924)      89,814     154,655      243,941
     Less: reclassification
      adjustment for gains
      included in net income .     318,750       15,482     449,796       65,304
                                  --------     --------    --------     --------
     Net unrealized gains
      (losses) on securities .    (448,674)      74,332    (295,141)     178,637
     Income tax expense
      (benefit) ..............    (163,923)      27,503    (107,116)      65,676
                                  --------     --------    --------     --------
     Other comprehensive
      income (loss) ..........    (284,751)      46,829    (188,025)     112,961
                                  ========     ========    ========     ========


                                       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 $130,112,889 as of December 31,
1998, as compared to  $121,092,104 on March 31, 1998, an increase of $9,020,785.
An  increase  in deposits  of  $4,675,977  and an increase in advances  from the
Federal  Home Loan  Bank of Des  Moines in the  amount of  $5,500,000  primarily
funded the increase.

Loans  receivable,  net,  increased  to  $67,055,955  on December  31, 1998 from
$61,273,984  on March 31,  1998,  an  increase  of  $5,781,971.  Mortgage-backed
securities  decreased  $2,778,105  to  $16,237,131  on December 31,  1998,  from
$19,015,236  on March 31, 1998. 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  to improve the overall  yield on interest
earning assets.

Cash,  interest  bearing  deposits and available for sale investment  securities
increased  $5,388,862  from  $36,437,811  on March 31, 1998, to  $41,826,673  on
December 31, 1998.  The increase was primarily  funded by an increase in savings
deposits and FHLB advances.

Deposits  totaled  $81,560,439  on December 31, 1998,  an increase of $4,675,977
from $76,884,462 on March 31, 1998. The increase in deposits is primarily due to
an increase in checking and savings accounts.

Stockholders'   equity  was  $12,406,991  on  December  31,  1998,  compared  to
$13,477,572 on March 31, 1998. The change in stockholders' equity was the result
of net  earnings,  which was offset by a reduction in deferred  recognition  and
retention plan, an increase in unrealized loss on available-for-sale securities,
net and the  acquisition  of 84,068  shares of  treasury  stock at an  aggregate
purchase price of $1,446,854 or $17.21 per share.


                                       7
<PAGE>

RESULTS OF OPERATIONS

Net earnings for the  Company's  quarter  ended  December 31, 1998 were $399,842
compared  to  $219,426  for the  comparable  quarter in 1997.  The  increase  in
earnings was due to an increase in total non-interest  income,  primarily due to
increased  service  charges  and an  increase  in gains  on sales of  investment
securities, mortgage-backed securities and loans. These increases were partially
offset by an increase in total non-interest expense.

Net  interest  income  after  provision  for loan losses for the  quarter  ended
December  31,  1998 was  $699,691  compared to  $732,838  for the quarter  ended
December 31, 1997, a decrease of $33,147.  The decrease was a result of interest
income increasing  $116,047 from $2,101,561 in 1997 to $2,217,608 in 1998, while
interest  expense  increased  $154,488 from  $1,344,629 in 1997 to $1,499,117 in
1998. The decrease in net interest  income after provision for loan losses was a
result of a decrease in rates  received on interest  earning  assets,  while the
cost of interest bearing liabilities declined at a slower rate.

Non-interest  income  increased from $126,769 for the quarter ended December 31,
1997 to $571,805 for the quarter ended  December 31, 1998.  The increase was due
to an  increase  in  fee  income  and an  increase  in  gains  on  the  sale  of
investments,  mortgage-backed  securities and loans.  Fee income  increased as a
result of a  significant  increase  in  transaction  accounts,  and  gains  were
realized  on the  sale  of a  portion  of  the  Bank's  long  term,  fixed  rate
investments and loans.

The Company's  non-interest expense for the three months ended December 31, 1998
was  $643,770  compared  to $513,914  for the  comparable  quarter in 1997.  The
increase was due to an increase in  compensation  and  benefits,  occupancy  and
equipment expense and data processing  expense related to the opening of the new
branch office in Richmond.

Income tax  expense  for three  months  ended  December  31,  1998 was  $227,884
compared to $126,267 for the similar period in 1997. The effective tax rates for
the three  months ended  December  31, 1998 was 36.3%  compared to 36.5% for the
three months ended December 31, 1997.

Net earnings for the nine months ended December 31, 1998, were $829,591 compared
to  $627,843  for the nine  months  ended  December  31,  1997,  an  increase of
$201,748.  The increase is primarily  due to increases in  non-interest  income,
partially offset, by an increase in total non-interest expense.

Net interest  income after  provision  for loan losses for the nine month period
ended December 31, 1998 was $2,216,823 compared to $2,180,556 for the nine month
period ended December 31, 1997, an increase of $36,267.  The increase was due to
an increase in total  interest  earning  assets,  while the Bank's net  interest
margin declined.

Non-interest  income for the nine months ended  December 31, 1998,  was $956,296
compared to $319,834  for the nine month period a year  earlier,  an increase of
$636,462. The increase was due to an increase in service charges and an increase
in gains on the sale of investments, mortgage-backed securities and loans.

The Company's  non-interest  expense for the nine months ended December 31, 1998
was  $1,875,865,  compared to $1,507,211  for the nine months ended December 31,
1997,  an  increase  of  $368,654.  The  increase  was  due  to an  increase  in
compensation  and benefits,  occupancy and equipment  expense,  data  processing
expense and other non-interest expense primarily related to the opening of a new
branch  office in Richmond,  Missouri,  on March 30, 1998,  as well as marketing
expenses related to the Bank's high performance checking account program.

Income tax expense for the nine months ended  December  31,  1998,  was $467,663
compared to $365,336 for the similar  period in 1997. The increase was due to an
increase in earnings  before taxes in 1998. The effective tax rates for the nine
months ended  December 31, 1998 was 36.1%  compared to 36.8% for the nine months
ended December 31, 1997.

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, 1998,  was $18,800 and for
the nine months ended December 31, 1998, was $50,000. 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>


NON-PERFORMING ASSETS

On December 31, 1998,  non-performing  assets were $200,565 compared to $231,577
on March 31, 1998.  On December 31, 1998,  the Bank's  allowance for loan losses
was $296,756,  or 148% of non-performing assets compared to $247,710, or 107% on
March 31, 1998.

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.

The  allowance  for loan losses was .44% of total loans as of December  31, 1998
compared to .40% at March 31, 1998.

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, 1998.

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

Tangible Equity .........   $11,826/ 9.10%     $2,602/2.00%      $9,224/ 7.10%

Core Leverage Capital ...   $11,826/ 9.10%     $5,205/4.00%      $6,621/ 5.10%

Risk-based Capital ......   $12,123/21.39%     $4,422/8.00%      $7,701/13.39%

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, 1998 was
49.66%.

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, 1998 and 1997 were
$5,363,601  and  $7,205,037,  respectively.  The decrease was primarily due to a
decrease in the sale of investment securities.

Net cash provided by financing  activities  decreased from  $10,845,058  for the
nine months ended  December 31, 1997 compared to $8,263,738  for the nine months
ended December 31, 1998.

RECENT ACCOUNTING DEVELOPMENTS

The Financial  Accounting Standards Board (FASB) issued SFAS No. 133, Accounting
for Derivative  Instruments and Hedging  Activities,  in June 1998. SFAS No. 133
establishes  accounting  and  reporting  standards for  derivative  instruments,
including certain derivative  instruments  embedded in other contracts,  and for
hedging  activities.  It requires that an entity  recognize all  derivatives  as
either assets or liabilities in the statement of financial  position and measure
those  instruments  at fair value.  This  statement is effective  for all fiscal
quarters of fiscal years beginning after June 15, 1999, however, the

                                       9
<PAGE>

Company has chosen to apply the  provisions of the statement as of July 1, 1998.
At  the  date  of  initial  application,  the  Company  transferred  all  of its
held-to-maturity securities to the available-for-sale category. Accordingly, all
unrealized  holding gains or losses at the date of transfer were recognized in a
separate component of stockholders' equity and other comprehensive income.

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  has  announced  the  completion of all mainframe
application  and personal  computer  based  enhancements  required for Year 2000
processing  and for testing.  The Company is currently  verifying the results of
testing.  The Company has incurred costs of approximately  $7,000 for testing to
date and  anticipates  only minimal  additional  costs.  The data processor will
conduct  terminal/network  connectivity  testing  with the  Company in the first
quarter of 1999. The Company has recently purchased Year 2000 compliant personal
computers for the teller  system in the current year at a cost of  approximately
$75,000. The equipment replaced obsolete teller equipment. The Company estimates
the total  remaining  costs to ensure Year 2000  compliance to be  approximately
$10,000.

The Company has  reviewed the  commercial  loan  portfolio  and does not believe
there is potential risk of repayment with any of the loans due to the failure of
the businesses.  The Company's estimate of Year 2000 project costs and dates set
forth above by which certain  phases of the project are expected to be completed
are based on  management's  best current  estimate.  Actual results could differ
from those  estimated.  The failure to correct material Year 2000 problems could
result in an interruption in, or failure of, certain normal business  activities
or operations. Such failures could materially and adversely affect the Company's
results of operations, liquidity and financial condition. Due to the uncertainty
inherent  in the Year 2000  problem,  the  Company,  at this time,  is unable to
determine  whether the  consequences  of Year 2000  failure will have a material
impact  on  the  Company's  results  of  operations,   liquidity  and  financial
condition.  The Company believes it will significantly reduce the possibility of
significant  interruptions  or  failures  with the  completion  of the Year 2000
project as scheduled.

Hardin Bancorp,  Inc. continues to make progress toward Year 2000 compliance and
has contingency plans,  which include converting to another currently  compliant
platform of the present data  processor or operating on a manual  basis,  should
other third party vendors prove non-compliant.

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.

                                       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
          -----------------
          As of December 31, 1998, the Company held 318,508 shares of its common
          stock as treasury stock at an aggregate purchase price of $4,684,001.

          On December 17, 1998 the Board of Directors  declared a $.16 per share
          cash  dividend  to all  stockholders  of record on  January  8,  1999,
          payable on January 22, 1999.

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 16, 1999                      /s/ Robert W. King
      -----------------                      ------------------
                                             Robert W. King, President and Chief
                                             Executive Officer (Duly Authorized
                                             Officer)



Date: February 16, 1999                       /s/ Karen K. Blankenship
      -----------------                       ------------------------
                                              Karen K. Blankenship, Senior Vice
                                              President and Secretary (Principal
                                              Accounting Officer)


                                       12