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, 2000

                                                         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 Identification Number)
incorporation or organization


     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, 2000
--------------------------------------------------------------------------------
    Common stock, .01 par value                       731,453


<PAGE>

                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                                    CONTENTS

PART I

FINANCIAL INFORMATION

Item 1.

Unaudited Financial Statements ........................................Page

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

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

    Consolidated Statements 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)


<TABLE>
<CAPTION>
                                                                               December 31, 2000             March 31, 2000
                                                                             -----------------------       --------------------
                                     Assets

<S>                                                                                    <C>                        <C>
Cash                                                                                  $   1,244,293              $   1,418,308
Interest bearing deposits                                                                 6,694,101                  3,331,934
Investment securities at fair value                                                      38,466,316                 37,793,223
Mortgage-backed securities at fair value                                                  5,727,322                 11,805,699
Loans receivable, net                                                                    83,201,766                 78,059,195
Accrued interest receivable:
     Investment securities                                                                  617,559                    487,312
     Mortgage-backed securities                                                              50,124                     84,232
     Loans receivable                                                                       631,573                    548,094
Premises and equipment                                                                    1,737,984                  1,777,911
Stock in Federal Home Loan Bank (FHLB) of Des Moines, at cost                             2,165,000                  2,015,000
Deferred income taxes                                                                       411,948                    816,000
Prepaid expenses and other assets                                                           367,425                    347,403
                                                                             -----------------------       --------------------
Total assets                                                                          $ 141,315,411              $ 138,484,311
                                                                             =======================       ====================

                      Liabilities and Stockholders' Equity

Liabilities:
     Deposits                                                                         $  86,414,790              $  86,565,365
     Advances from borrowers for property taxes and insurance                               204,374                    359,670
     Advances from FHLB                                                                  40,000,000                 38,300,000
     Accrued interest payable                                                                55,474                     40,935
     Current income taxes payable                                                           (15,490)                    73,601
     Accrued expenses and other liabilities                                                 968,216                    718,463
                                                                             -----------------------       --------------------
Total liabilities                                                                       127,627,364                126,058,034
                                                                             -----------------------       --------------------


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                                                          10,372,301                 10,319,573
     Retained earnings                                                                    9,139,102                  8,813,865
     Accumulated other comprehensive loss                                                  (745,292)                (1,477,663)
     Unearned employee benefits                                                            (277,889)                  (429,323)
     Treasury stock, 326,547 shares at cost                                              (4,810,755)                (4,810,755)
                                                                             -----------------------       --------------------
Total stockholders' equity                                                               13,688,047                 12,426,277
                                                                             -----------------------       --------------------
Total liabilities and stockholders' equity                                            $ 141,315,411              $ 138,484,311
                                                                             =======================       ====================
</TABLE>


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,
                                           --------------------------------------         ------------------------------------
                                                2000                  1999                     2000                1999
                                                ----                  ----                     ----                ----
Interest income:
<S>                                            <C>                   <C>                      <C>                 <C>
     Loans receivable                          $ 1,736,350           $ 1,553,225              $ 5,075,543         $ 4,466,300
     Mortgage-backed securities                    177,290               173,909                  564,831             506,493
     Investment securities                         651,931               665,967                1,969,085           2,008,297
     Other                                          72,851                57,135                  211,949             179,933
                                           ----------------     -----------------         ----------------    ----------------
Total interest income                            2,638,422             2,450,236                7,821,408           7,161,023
                                           ----------------     -----------------         ----------------    ----------------

Interest expense:
     Deposits                                    1,048,356               939,397                3,024,088           2,824,791
     FHLB advances                                 653,557               488,864                1,901,449           1,448,085
                                           ----------------     -----------------         ----------------    ----------------
Total interest expense                           1,701,913             1,428,261                4,925,537           4,272,876
                                           ----------------     -----------------         ----------------    ----------------

Net interest income                                936,509             1,021,975                2,895,871           2,888,147

Provision for loan losses                           19,122                     -                   50,954               1,297
                                           ----------------     -----------------         ----------------    ----------------

Net interest income after provision
     for loan losses                               917,387             1,021,975                2,844,917           2,886,850
                                           ----------------     -----------------         ----------------    ----------------

Non-interest income:
     Service charges                               171,242               155,170                  526,849             441,389
     Loan servicing fees                             7,338                 6,849                   21,120              22,502
     Gain on sale of loans                          19,429                     -                   24,269               9,331
     Gain on sale of real estate owned                   -                     -                    9,313                   -
     (Loss)/gain on sale of investments
        and mortgage-backed securities             (55,700)                    -                  (55,700)              7,164
     Other                                          47,904                65,485                  120,013             197,607
                                           ----------------     -----------------         ----------------    ----------------
Total non-interest income                          190,213               227,504                  645,864             677,993
                                           ----------------     -----------------         ----------------    ----------------

Non-interest expense:
     Compensation and benefits                     405,047               376,393                1,137,856           1,085,855
     Occupancy and equipment                        65,686                63,287                  195,374             196,445
     Federal insurance premiums                      4,284                12,622                   13,192              36,604
     Data processing                                62,252                52,121                  184,605             152,436
     Real estate owned                                   -                 1,580                        -               2,706
     Other                                         324,517               211,619                  757,424             646,487
                                           ----------------     -----------------         ----------------    ----------------
Total non-interest expense                         861,786               717,622                2,288,451           2,120,533
                                           ----------------     -----------------         ----------------    ----------------

Earnings before income taxes                       245,814               531,857                1,202,330           1,444,310

Income tax expense                                  93,929               181,203                  434,854             488,113
                                           ----------------     -----------------         ----------------    ----------------

Net earnings                                     $ 151,885             $ 350,654                $ 767,476           $ 956,197
                                           ----------------     -----------------         ----------------    ----------------

Net earnings per share:
     Basic                                          $ 0.22                $ 0.51                   $ 1.09              $ 1.39
                                           ----------------     -----------------         ----------------    ----------------
     Diluted                                          0.20                  0.49                     1.05                1.34
                                           ----------------     -----------------         ----------------    ----------------
</TABLE>

See accompanying notes to unaudited consolidated financial statements.

                                       2

<PAGE>


                      Hardin Bancorp, Inc. and Subsidiaries
                 Consolidated Statements of Stockholders' Equity
                     For the Months Ended December 31, 2000
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                     Common         Paid-in        Retained     Comprehensive      Employee
                                                     Stock          Capital        Earnings         Loss           Benefits
                                                  -------------  --------------  -------------- -------------  -----------------
<S>                                                   <C>           <C>              <C>          <C>                  <C>
Balance at  March 31, 2000                            $ 10,580      10,319,573       8,813,865    (1,477,663)          (429,323)
Comprehensive income:
     Net earnings                                            -               -         767,476             -                  -
     Change in net unrealized loss on securities
       available for sale, net of tax                        -               -               -       732,371                  -
                                                  -------------  --------------  -------------- -------------  -----------------
            Total comprehensive income (loss)                -               -         767,476       732,371                  -
                                                  -------------  --------------  -------------- -------------  -----------------
Allocation of ESOP shares                                    -          52,728               -             -             80,730
Amortization of recognition and retention plan               -               -               -             -             70,704
Dividends declared ($.20 per share)                          -               -        (442,239)            -                  -
                                                  -------------  --------------  -------------- -------------  -----------------
Balance at December 31, 2000                          $ 10,580    $ 10,372,301     $ 9,139,102    $ (745,292)        $ (277,889)
                                                  =============  ==============  ============== =============  =================

<CAPTION>

                                                     Treasury      Shareholders'
                                                       Stock          Equity
                                                  ---------------- --------------
<S>                                                  <C>             <C>
Balance at  March 31, 2000                             (4,810,755)    12,426,277
Comprehensive income:
     Net earnings                                               -        767,476
     Change in net unrealized loss on securities
       available for sale, net of tax                           -        732,371
                                                  ---------------- --------------
            Total comprehensive income (loss)                   -      1,499,847
                                                  ---------------- --------------
Allocation of ESOP shares                                       -        133,458
Amortization of recognition and retention plan                  -         70,704
Dividends declared ($.20 per share)                             -       (442,239)
                                                  ---------------- --------------
Balance at December 31, 2000                         $ (4,810,755)   $13,688,047
                                                  ================ ==============

</TABLE>

See accompanying notes to unaudited consolidated financial statements.

                                       3
<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
              For the Nine Months Ended December 31, 2000 and 1999
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                             2000             1999
                                                                       ---------------  ---------------
Operating Activities:
<S>                                                                         <C>             <C>
Net earnings                                                                $ 767,476          956,197
Adjustments to reconcile net earnings
     to net cash provided by operating activities:
        Provision for losses on loans                                          50,954            1,297
        Depreciation                                                          100,459          105,497
        Premium accretion and amortization
           of discounts and deferred loan fees, net                            62,804           42,969
        Net loss/(gain) on sale of loans and securities, net                   31,431          (16,495)
        Proceeds from sales of loans                                       (1,102,864)         674,218
        Allocation of ESOP shares                                             133,458          142,107
        Amortization of deferred recognition
           and retention plan                                                  70,704           73,269
        Changes in asset and liabilities:
              Interest receivable                                            (179,618)         (17,000)
              Other assets                                                    (26,928)          51,834
              Accrued interest payable                                         14,539            2,896
              Accrued expense and other liabilities                           246,386           17,431
              Income taxes payable                                            (89,091)          (1,886)
                                                                       ---------------  ---------------
Net cash provided by operating activities                                      79,710        2,032,334
                                                                       ---------------  ---------------

Investing Activities:
        Net increase in loans receivable                                   (4,084,497)      (6,591,703)
        Principal payments on available-for-sale
           mortgage-backed & related securities                             1,763,229        5,870,049
        Proceeds from sales of available-for-sale
           mortgage-backed securities                                       5,419,467          363,166
        Purchase of available-for-sale investment securities                                (1,810,904)
        Purchase of loans serviced by other institutions                     (741,388)        (328,406)
        Proceeds from maturities of available-for-sale
           investment securities                                                    -          340,000
        Proceeds from sales of available-for-sale
           investment securities                                                    -        1,005,400
        Proceeds from sales of other repossessed assets                         6,906                -
        Purchase of stock in FHLB of Des Moines                              (150,000)         (15,000)
        Purchase of office premises and equipment                             (60,532)         (91,008)
                                                                       ---------------  ---------------
Net cash provided by (used in) investing activities                       $ 2,153,185       (1,258,406)
                                                                       ---------------  ---------------
</TABLE>


                                       4
<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
              For the Nine Months Ended December 31, 2000 and 1999
                                   (Unaudited)

<TABLE>
<CAPTION>

                                                                             2000             1999
                                                                       ---------------  ---------------
Financing Activities:
<S>                                                                     <C>                  <C>
        Net (decrease) increase in savings deposits                     $    (150,575)       2,040,951
        Net decrease in advances from borrowers
           for taxes and insurance                                           (155,296)         (99,022)
        Proceeds from FHLB advances                                       102,300,000       26,800,000
        Repayments of FHLB advances                                      (100,600,000)     (30,500,000)
        Payment of dividends                                                 (438,872)        (426,157)
        Purchase of treasury stock                                                             (29,000)
                                                                       ---------------  ---------------
Net cash  provided by (used in) financing activities                          955,257       (2,213,228)
                                                                       ---------------  ---------------

Increase/(Decrease) in cash and cash equivalents                            3,188,152       (1,439,300)

Cash and equivalents at beginning of period                                 4,750,242        4,994,692
                                                                       ---------------  ---------------
Cash and equivalents at end of period                                   $   7,938,394        3,555,392
                                                                       ===============  ===============

Supplemental disclosure of cash flow information:
Cash paid for:
           Interest                                                     $   4,910,998        4,269,980
           Income taxes, net of refunds                                 $     523,945          489,999
Non-cash investing and financing:
        Dividends declared and payable                                  $     149,698          146,951
        Loan transferred to real estate owned                           $          -           93,051
</TABLE>

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, 2000, 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 three and  nine-month  periods ended
         December 31, 2000 are not necessarily  indicative of the results, which
         may be expected  for the entire year.  The March 31, 2000  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,
                                               2000          1999                2000          1999
                                          -----------------------------     -----------------------------
<S>                                           <C>           <C>                 <C>           <C>
Basic weighted average shares                 702,491       689,516             702,493       690,093
Common stock equivalents/stock options         41,934        22,024              27,574        24,399
                                          -----------------------------     -----------------------------
Diluted weighted average shares               744,425       711,540             730,067       714,492
                                          =============================     =============================
</TABLE>

(3)  Pending Transaction

         On October 25, 2000, the Company  entered into an Agreement and Plan of
         Merger (the "Agreement") with Dickinson Financial Corporation, pursuant
         to which Dickinson  Financial will pay $21.75 per share in cash for the
         outstanding  shares of the Company.  The  acquisition is subject to the
         satisfaction of certain conditions, including approval by the Company's
         shareholders and the receipt of all required regulatory approvals.  The
         Company's  shareholders  approved the Agreement at a special meeting of
         shareholders held on February 2, 2001.

                                       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 (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 $141,315,411 as of December 31,
2000, as compared to $138,484,311, on March 31, 2000, an increase of $2,831,100.
The increase was primarily due to an increase in loans  receivable,  net, and an
increase  in  interest  bearing  deposits,  partially  offset by a  decrease  in
mortgage-backed securities.

Loans  receivable,  net,  increased  to  $83,201,766  on December  31, 2000 from
$78,059,195  on March 31,  2000,  an  increase  of  $5,142,571.  Mortgage-backed
securities  decreased  $6,078,377  to  $5,727,322  on  December  31,  2000  from
$11,805,699 on March 31, 2000.

Cash, interest bearing deposits and investment  securities  increased $3,861,245
from  $42,543,465  on March 31, 2000, to  $46,404,710  on December 31, 2000. The
increase  was  primarily  due to the  deployment  of  proceeds  from the sale of
mortgage-backed securities.

Deposits  totaled  $86,414,790 on December 31, 2000, a decrease of $150,575 from
$86,565,365 on March 31, 2000.

FHLB advances increased $1,700,000 to $40,000,000 on December 31, 2000, compared
to $38,300,000  on March 31, 2000.  The increase  offset the outflow of deposits
and was utilized to fund loan growth.

Stockholders'   equity  was  $13,688,047  on  December  31,  2000,  compared  to
$12,426,277  on March  31,  2000.  The  increase  in  stockholders'  equity  was
primarily the result of a decrease in unrealized loss on investment  securities,
the Company's net earnings during the nine months ended December 31, 2000, and a
decrease in unearned employee benefits.

                                       7
<PAGE>


RESULTS OF OPERATIONS

Net earnings for the  Company's  quarter  ended  December 31, 2000 were $151,885
compared  to  $350,654  for the  comparable  quarter in 1999.  The  decrease  in
earnings was primarily due to a reduction in net interest income after provision
for loan losses and an increase in total non-interest expense.

Basic  earnings  per share for the quarter  ended  December  31, 2000 were $0.22
while diluted  earnings per share were $0.20.  Basic  earnings per share for the
quarter ended December 31, 2000 were calculated  based on 702,491 average shares
outstanding  and diluted  earnings  per share were  calculated  based on 744,425
average shares outstanding.  Basic earnings per share for the comparable 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.

Net interest income after provision for loan losses was $917,387 for the quarter
ended  December 31, 2000 compared to $1,021,975  for the quarter ended  December
31, 1999, a decrease of $104,588. This decrease was partially attributable to an
increase in the  provision for loan losses from $0 in the 1999 period to $19,122
in the 2000 period.  Total interest income increased $188,186 from $2,450,236 in
1999 to $2,638,422 in 2000 and total interest  expense  increased  $273,652 from
$1,428,261 in 1999 to $1,701,913 in 2000. The increase in total interest  income
was due to an increase in the average yield on interest earning assets while the
increase in total interest  expense was primarily a result of an increase in the
average cost of FHLB advances.

Total non-interest income decreased from $227,504 for the quarter ended December
31, 1999 to $190,213 for the quarter ended  December 31, 2000.  The decrease was
due to decreases in other  non-interest  income and recognized losses on sale of
investments and mortgage-backed securities.

The Company's total non-interest expense for the three months ended December 31,
2000 was $861,786  compared to $717,622 for the comparable  quarter in 1999. The
increase was primarily due to increases in  compensation  and benefits  expense,
data processing  expense and other  non-interest  expense,  partially  offset by
reductions in FDIC insurance premiums.

Net earnings for the nine months ended December 31, 2000, were $767,476 compared
to $956,197 for the nine months ended December 31, 1999, a decrease of $188,721.
The  decrease  was  primarily  due to  decreases  in  net  interest  income  and
non-interest  income,  partially  offset, by increases in the provision for loan
losses  and total  non-interest  expense  and a decrease  in other  non-interest
income.

Basic  earnings per share for the nine months ended December 31, 2000 were $1.09
while diluted  earnings per share were $1.05.  Basic  earnings per share for the
nine months ended  December 31, 2000 were  calculated  based on 702,493  average
shares  outstanding  and diluted  earnings  per share were  calculated  based on
730,067 average shares outstanding. 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 the 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.

Net interest  income after  provision  for loan losses for the nine month period
ended December 31, 2000 was $2,844,917 compared to $2,886,850 for the nine month
period ended December 31, 1999, an decrease of $41,933.  The decrease was due to
a decrease in the Bank's net interest margin.

Non-interest  income for the nine months ended  December 31, 2000,  was $645,864
compared to $677,993 for the nine months ended  December 31, 1999, a decrease of
$32,129.  The decrease was due to a decrease in other  non-interest  income, and
recognized  losses  on  sales  of  investments  and  mortgage-backed  securities
partially offset by increases in service charges and gains on sales of loans.

The Company's  non-interest  expense for the nine months ended December 31, 2000
was  $2,288,451,  compared to $2,120,533  for the nine months ended December 31,
1999,  an  increase  of  $167,918.  The  increase  was  due  to an  increase  in
compensation  and  benefits,  data  processing  expense  and other  non-interest
expense,  partially  offset by decreases in occupancy and equipment  expense and
Federal insurance premiums.

                                       8
<PAGE>

PROVISION FOR LOAN LOSSES

For the nine months ended December 31, 2000, the Company, in accordance with its
classification of assets policy,  recorded $50,954 in provision for loan losses.
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, 2000, the Bank's allowance for loan losses was $336,292, or 186%
of  non-performing  assets compared to $304,422,  or 128% at March 31, 2000. The
allowance  for loan losses was .40% of total loans at December 31, 2000 and .39%
at March 31, 2000.

At December 31, 2000,  non-performing  assets were $181,060 compared to $237,000
at March 31, 2000.  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.

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, 2000.

<TABLE>
<CAPTION>
                               Actual               Required              Excess
                           Amount/Percent        Amount/Percent       Amount/Percent
                           --------------        --------------       --------------
                                             (Dollars in Thousands)
<S>                        <C>     <C>           <C>     <C>          <C>      <C>
Tangible Capital           $14,561/10.24%        $2,133/ 1.50%        $12,428/ 8.74%

Core Leverage Capital      $14,561/10.24%        $5,688/ 4.00%         $8,873/ 6.24%

Risk-based Capital         $14,904/22.01%        $5,416/ 8.00%         $9,488/14.01%
</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, 2000 was
33.43%.

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, 2000 and 1999 were
$7,938,394 and  $3,555,392,  respectively.  The increase was primarily due to an
increase in net cash provided by investing activities.

                                       9
<PAGE>

FORWARD LOOKING STATEMENT

This  Quarterly  Report  on Form  10-QSB  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 and Use of Proceeds

            None.

Item 3.     Defaults Upon Senior Securities

            None.

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

Item 5.     Other Information

            On  December  21, 2000  the Board of  Directors  declared a $.20 per
            share cash  dividend  to  all  stockholders  of record on January 5,
            2001, payable on January 19, 2001.

            On October 25, 2000, the Company  entered into an Agreement and Plan
            of Merger (the  "Agreement") with Dickinson  Financial  Corporation,
            pursuant to which  Dickinson  Financial will pay $21.75 per share in
            cash for the outstanding  shares of the Company.  The acquisition is
            subject  to  the  satisfaction  of  certain  conditions,   including
            approval  by the  Company's  shareholders'  and the  receipt  of all
            required regulatory approvals.

            On  February  2,  2001,  the  Company's  shareholders  approved  the
            Agreement at a special meeting of shareholders.

Item 6.     Exhibits and Reports on Form 8-K

            Reports on Form 8-K:

            On November 8, 2000, the  Company filed a Current Report on Form 8-K
            to report,  persuant to  Item 5 of said report, the execution of the
            Agreement.

                                       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 14, 2001                /s/ Robert W. King
      -----------------                -------------------------------------
                                       Robert W. King, President and Chief
                                       Executive Officer (Duly Authorized
                                       Officer)


Date: February 14, 2001                /s/ Karen K. Blankenship
      -----------------                -------------------------------------
                                       Karen K. Blankenship, Senior Vice
                                       President and Secretary (Principal
                                       Accounting Officer)