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 September 30, 1999

                                       OR

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

        For the transition period from                  to

                         Commission File Number 0-26560

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


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


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



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


Indicate by check mark whether the registrant (1) has filed all reports required
to be filed  by  Section  13 or 15 (d) of the  Securities  Exchange  Act of 1934
during the preceding 12 months (or for such shorter  period that the  registrant
was  required  to file such  reports),  and (2) has been  subject to such filing
requirements for the past 90 days.

                       Yes  [ X ]         No  [   ]


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

               Class                         Outstanding at September 30, 1999
--------------------------------------------------------------------------------
      Common stock, .01 par value                           734,753

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



                                                                 September 30, 1999    March 31, 1999
                                                                 ------------------    --------------
                                                                     (Unaudited)
                     Assets
<S>                                                                 <C>                <C>
Cash                                                                $     981,794      $     838,044
Interest bearing deposits                                               1,596,153          4,156,648
Investment securities available-for-sale                               39,099,619         44,519,193
Mortgage-backed securities available-for-sale                          12,305,641         12,584,419
Loans receivable, net                                                  75,580,506         69,504,900
Accrued interest receivable:
     Investment securities                                                500,148            501,114
     Mortgage-backed securities                                            86,180             91,008
     Loans receivable                                                     539,148            456,003
Real estate owned                                                          93,051                 --
Premises and equipment                                                  1,833,064          1,832,311
Stock in Federal Home Loan Bank (FHLB) of Des Moines, at cost           2,000,000          2,000,000
Deferred income taxes receivable                                          704,295            188,000
Prepaid expenses and other assets                                         458,684            384,481
                                                                    =============      =============
Total assets                                                        $ 135,778,283      $ 137,056,121
                                                                    =============      =============

                      Liabilities and Stockholders' Equity

Liabilities:
     Deposits                                                       $  84,078,752      $  83,326,871
     Advances from borrowers for property taxes and insurance             613,405            294,424
     Advances from FHLB                                                38,000,000         40,000,000
     Accrued interest payable                                              42,680             40,949
     Current income taxes payable                                         175,278            159,367
     Accrued expenses and other liabilities                               727,820            674,969
                                                                    -------------      -------------
Total liabilities                                                     123,637,935        124,496,580
                                                                    -------------      -------------

</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S>                                                                 <C>                <C>
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                                        10,290,201         10,252,604
     Retained earnings                                                  8,409,061          8,097,420
     Accumulated other comprehensive loss                              (1,273,135)          (394,038)
     Unearned employee benefits                                          (532,729)          (643,395)
     Treasury stock (323,247 shares at cost)                           (4,763,630)        (4,763,630)
                                                                    -------------      -------------
Total stockholders' equity                                             12,140,348         12,559,541

                                                                    =============      =============
Total liabilities and stockholders' equity                          $ 135,778,283      $ 137,056,121
                                                                    =============      =============
</TABLE>

See accompanying notes to unaudited consolidated financial statements.

                                        1
<PAGE>
<TABLE>
<CAPTION>
                                             Hardin Bancorp, Inc. and Subsidiaries
                                              Consolidated Statements of Earnings
                                                          (Unaudited)

                                                       Three months ended                             Six months ended
                                                           September 30                                  September 30
                                               ---------------------------------              -------------------------------
                                                   1999                  1998                     1999                1998
                                               -----------           -----------              -----------         -----------
<S>                                            <C>                   <C>                      <C>                 <C>
Interest income:
     Loans receivable                          $ 1,482,685           $ 1,358,504              $ 2,913,075         $ 2,665,755
     Mortgage-backed securities                    163,563               263,860                  332,584             547,337
     Investment securities                         667,723               575,237                1,342,330           1,144,698
     Other                                          61,028                93,168                  122,798             157,824
                                               -----------           -----------              -----------         -----------
Total interest income                            2,374,999             2,290,769                4,710,787           4,515,614
                                               -----------           -----------              -----------         -----------

Interest expense:
     Deposits                                      941,058               982,176                1,885,394           1,962,381
     FHLB advances                                 481,786               546,847                  959,221           1,004,901
                                               -----------           -----------              -----------         -----------
Total interest expense                           1,422,844             1,529,023                2,844,615           2,967,282
                                               -----------           -----------              -----------         -----------

Net interest income                                952,155               761,746                1,866,172           1,548,332
Provision for loan losses                                -                16,200                    1,297              31,200
                                               -----------           -----------              -----------         -----------

Net interest income after provision
     for loan losses                               952,155               745,546                1,864,875           1,517,132

Non-interest income:
     Service charges                               153,244                90,556                  286,219             167,659
     Loan servicing fees                             8,581                 8,071                   15,653              16,050
     Gain on sale of loans                           9,331                     -                    9,331              14,998
     Gain on sale of investments and
        mortgage-backed securities                       -               118,444                    7,164             131,046
     Other                                          92,690                37,345                  132,122              54,738
                                               -----------           -----------              -----------         -----------
Total non-interest income                          263,846               254,416                  450,489             384,491
                                               -----------           -----------

</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S>                                            <C>                   <C>                      <C>                 <C>
Non-interest expense:
     Compensation and benefits                     369,321               332,194                  709,462             657,917
     Occupancy and equipment                        66,853                61,544                  133,158             118,780
     Federal insurance premiums                     12,042                11,734                   23,982              23,676
     Data processing                                50,361                48,922                  100,315              83,918
     Real estate owned                               1,126                     -                    1,126                   -
     Other                                         222,252               164,271                  434,868             347,804
                                               -----------           -----------              -----------         -----------
Total non-interest expense                         721,955               618,665                1,402,911           1,232,095
                                               -----------           -----------              -----------         -----------

Earnings before income taxes                       494,046               381,297                  912,453             669,528

Income tax expense                                 157,920               137,186                  306,910             239,779
                                               -----------           -----------              -----------         -----------

Net earnings                                   $   336,126           $   244,111              $   605,543         $   429,749
                                               ===========           ===========              ===========         ===========
Net earnings per share:
     Basic                                     $      0.49           $      0.32                   $ 0.88         $      0.56
                                               ===========           ===========                =========         ===========
     Diluted                                          0.47                  0.31                     0.85                0.54
                                               ===========           ===========                =========         ===========

</TABLE>

See accompanying notes to unaudited consolidated financial statements.


                                       2
 <PAGE>
<TABLE>
<CAPTION>
                                            Hardin Bancorp, Inc. and Subsidiaries
                                       Consolidated Statements of Stockholders' Equity
                                         For the Six Months Ended September 30, 1999
                                                         (Unaudited)
                                                                                                  Accumulated
                                                                   Additional                         Other        Unearned
                                                      Common         Paid-in        Retained     Comprehensive     Employee
                                                      Stock          Capital        Earnings          Loss         Benefits
                                                   -----------    -----------    -----------     -----------     -----------
<S>                                                <C>             <C>             <C>              <C>             <C>
Balance at  March 31, 1999                         $    10,580     10,252,604      8,097,420        (394,038)       (643,395)
Comprehensive income:
     Net earnings                                           --             --        605,543              --              --
     Change in net unrealized loss on securities
       available for sale, net of tax                       --             --             --        (879,097)             --
                                                   -----------    -----------    -----------     -----------     -----------
            Total comprehensive income (loss)               --             --        605,543        (879,097)             --
                                                   -----------    -----------    -----------     -----------     -----------
Allocation of ESOP shares                                   --         37,597             --              --          58,500
Amortization of recognition and retention plan              --             --             --              --          52,166
Dividends declared ($.20 per share)                         --             --       (293,902)             --              --
                                                   ===========    ===========    ===========     ===========     ===========
Balance at September 30, 1999                      $    10,580     10,290,201      8,409,061      (1,273,135)       (532,729)
                                                   ===========    ===========    ===========     ===========     ===========
<CAPTION>
                                                                       Total
                                                    Treasury      Shareholders'
                                                       Stock          Equity
                                                    -----------     -----------
<S>                                                 <C>             <C>
Balance at  March 31, 1999                           (4,763,630)     12,559,541
Comprehensive income:
     Net earnings                                            --         605,543
     Change in net unrealized loss on securities
       available for sale, net of tax                        --        (879,097)
                                                    -----------     -----------
            Total comprehensive income (loss)                --        (273,554)
                                                    -----------     -----------
Allocation of ESOP shares                                    --          96,097
Amortization of recognition and retention plan               --          52,166
Dividends declared ($.20 per share)                          --        (293,902)
                                                    ===========     ===========
Balance at September 30, 1999                        (4,763,630)     12,140,348
                                                    ===========     ===========
</TABLE>
See accompanying notes to unaudited consolidated financial statements

                                        3
<PAGE>
<TABLE>
<CAPTION>
                               Hardin Bancorp, Inc. and Subsidiaries
                               Consolidated Statements of Cash Flows
                        For the Six Months Ended September 30, 1999 and 1998
                                            (Unaudited)

                                                                           1999            1998
                                                                       -----------      ----------
<S>                                                                    <C>              <C>
Operating Activities:
Net Earnings                                                           $   605,543         429,749
Adjustments to reconcile net earnings
     to net cash provided by operating activities:
        Provision for losses on loans                                        1,297          31,200
        Depreciation                                                        70,670          65,183
        Premium accretion and amortization
           of discounts and deferred loan fees, net                         29,993        (182,644)
        Net gain on sale of loans and investment and
           mortgage-backed securities                                      (16,495)       (146,044)
        Origination of loans held for sale                                      --      (1,896,140)
        Proceeds from sales of loans                                       674,218         590,680
        Allocation of ESOP shares                                           96,097              --
        Amortization of deferred Recognition
           and Retention Plan (RRP)                                         52,166          44,109
        Changes in asset and liabilities:
              Interest receivable                                          (77,351)         (9,104)
              Other assets                                                 (74,203)        (84,898)
              Accrued interest payable                                       1,731           5,647
              Accrued expense and other liabilities                         38,156         131,373
              Income taxes payable                                          15,911        (158,423)
                                                                                       -----------
                                                                       -----------     -----------
Net cash provided by (used in) operating activities                      1,417,733      (1,179,312)
                                                                       -----------     -----------

Investing Activities:
        Net increase in loans receivable                                (6,840,987)     (5,094,015)
        Proceeds from sales of loans                                            --         371,770
        Principal payments on mortgage-backed & related securities:
           Available-for-sale                                            4,728,615       1,324,085
           Held-to-maturity                                                     --       1,026,694
        Proceeds from sales of available-for-sale
           mortgage-backed securities                                      363,166              --
        Purchase of available-for-sale investment securities            (1,810,904)    (16,117,348)
        Proceeds from maturities of available-for-sale
           investment securities                                                --       8,000,000
        Proceeds from sales of available for sale
           investment securities                                         1,005,400       7,817,418
        Purchase of stock in FHLB of Des Moines                                 --        (500,000)
        Purchase of office properties and equipment                        (71,423)       (182,755)
                                                                                       -----------
                                                                       -----------     -----------
Net cash used in investing activities                                  $(2,626,133)     (3,354,151)
                                                                       -----------     -----------
</TABLE>
                                        4
<PAGE>
<TABLE>
<CAPTION>
                               Hardin Bancorp, Inc. and Subsidiaries
                               Consolidated Statements of Cash Flows
                       For the Six Months Ended September 30, 1999 and 1998
                                            (Unaudited)

                                                                         1999             1998
                                                                    -------------    ------------
<S>                                                                 <C>              <C>
Financing Activities:
        Net increase in savings deposits                            $    751,881        1,882,434
        Proceeds from FHLB advances                                   14,000,000       15,000,000
        Repayments of FHLB advances                                  (16,000,000)      (5,500,000)
        Net decrease in advances from borrowers for
           taxes and insurance                                           318,981          273,572
        Payment of dividends                                            (279,207)        (221,357)
        Purchase of treasury stock                                            --         (136,192)
                                                                    ------------     ------------
Net cash (used in) provided by financing activities                   (1,208,345)      11,298,457
                                                                    ------------     ------------

(Decrease) increase in cash                                           (2,416,745)       6,764,994

Cash and equivalents at beginning of period                            4,994,692        3,781,801
                                                                    ------------     ------------
Cash and equivalents at end of period                               $  2,577,947       10,546,795
                                                                    ============     ============

Supplemental disclosure of cash flow information:
   Cash paid for:
           Interest                                                 $  2,842,884        2,961,635
           Income taxes, net of refunds                             $    290,999          398,202
Non-cash investing and financing:
        Dividends declared and payable                              $    146,951          122,459
        Loans transferred to real estate owned                      $     93,051               --
        Transfer of investment and mortgage-backed securities
           from held-to-maturity to available-for-sale                        --       19,951,798

</TABLE>
See accompanying notes to unaudited consolidated financial statements.

                                        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, 1999, such information and footnotes have not been duplicated
         herein. In the opinion of management, all adjustments,  consisting only
         of  normal  recurring  accruals,  which  are  necessary  for  the  fair
         presentation  of the interim  financial  statements have been included.
         The statement of earnings for the six-month  period ended September 30,
         1999  is not  necessarily  indicative  of  the  results,  which  may be
         expected for the entire year. The March 31, 1999  consolidated  balance
         sheet  has  been  derived  from  the  audited  consolidated   financial
         statements as of that date.

(2)   Earnings Per Share

         Basic earnings per share excludes  dilution and is computed by dividing
         income available to common  stockholders by the weighted average number
         of common shares  outstanding  during the period.  Diluted earnings per
         share  includes the effect of potential  dilutive  common shares (stock
         options) outstanding during the period.

         The shares used in the  calculation  of basic and diluted  earnings per
         share are shown below:
<TABLE>
<CAPTION>
                                     For the three months ended   For the six months ended
                                             September 30,              September 30,
                                            1999       1998            1999       1998
                                          -------    -------         -------    -------
<S>                                       <C>        <C>             <C>        <C>
Basic weighted average shares             689,886    761,216         690,383    762,352
Common stock equivalents/stock options     24,615     30,716          25,541     34,134
                                          -------    -------         -------    -------
Diluted weighted average shares           714,501    791,932         715,924    796,486
                                          =======    =======         =======    =======
</TABLE>

(3)   Comprehensive Income

         On  April  1,  1998  the  Company  adopted  SFAS  No.  130,  "Reporting
         Comprehensive  Income" which  requires the  reporting of  comprehensive
         income  and its  components.  Comprehensive  income is  defined  as the
         change in equity from  transactions and other events and  circumstances
         from non-owner sources and excludes investments by and distributions to
         owners.  Comprehensive  income  includes  net income and other items of
         comprehensive  income  meeting the above  criteria.  The Company's only
         component of other comprehensive income is the unrealized holding gains
         and losses on available-for-sale securities.
<PAGE>
<TABLE>
<CAPTION>
                                              For the three months ended     For the six months ended
                                                     September 30,                  September 30,
                                                  1999           1998            1999          1998
                                               ----------     ----------     ----------     ----------
<S>                                            <C>            <C>            <C>            <C>
Unrealized holding gains (losses)                (525,470)       420,740     (1,388,228)       603,329
Less:  reclassification adjustment
           for gains included in net income         7,164        318,750          7,164        449,796
                                               ----------     ----------     ----------     ----------
Net unrealized gains (losses) on securities      (532,634)       101,990     (1,395,392)       153,533
Income tax  benefit                              (197,075)       (37,736)      (516,295)       (56,807)
                                               ----------     ----------     ----------     ----------
Other comprehensive income (loss)                (335,559)        64,254       (879,097)        96,726
                                               ==========     ==========     ==========     ==========
</TABLE>


                                       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  $135,778,283 as of September
30,  1999,  as  compared  to  $137,056,121,  on March 31,  1999,  a decrease  of
$1,277,838.  The  decrease  was  primarily  due  to  a  decrease  in  investment
securities  and  interest-bearing  deposits  partially  offset by an increase in
loans.

Loans  receivable,  net,  increased to  $75,580,506  on September  30, 1999 from
$69,504,900  on March 31,  1999,  an  increase  of  $6,075,606.  Mortgage-backed
securities  decreased  $278,778 to  $12,305,641  on  September  30,  1999,  from
$12,584,419  on March 31, 1999. The decrease in  mortgage-backed  securities and
the increase in loans reflect the Bank's plan to increase the loan portfolio and
decrease mortgage-backed securities.
<PAGE>
Cash, interest bearing deposits and investment  securities  decreased $7,836,319
from  $49,513,885  on March 31, 1999, to  $41,677,566 on September 30, 1999. The
decrease was due to investment  funds being  utilized to repay FHLB advances and
originate mortgage and consumer loans.

Deposits totaled $84,078,752 on September 30, 1999, an increase of $751,881 from
$83,326,871  on March 31, 1999.  The increase in deposits was primarily due to a
successful  special  certificate  of  deposit  promotion  and  the  Bank's  high
performance checking account program.

Stockholders'  equity  was  $12,140,348  on  September  30,  1999,  compared  to
$12,559,541 on March 31, 1999. The change in stockholders' equity was the result
of an  increase  in the  unrealized  loss  on  investment  securities  due to an
increase  in  interest  rates,  which  causes  the  market  value of fixed  rate
securities to decline.

                                       7
<PAGE>
RESULTS OF OPERATIONS
---------------------

Net earnings for the Company's  quarter  ended  September 30, 1999 were $336,126
compared to $244,111 for the comparable quarter in 1998. The increase was due to
an  increase  in net  interest  income  after  provision  for loan losses and an
increase  in total  non-interest  income,  which  was  partially  offset,  by an
increase in total non-interest expense.

Basic earnings per share for the quarter ended  September 30, 1999 was $0.49 per
share while diluted  earnings per share was $0.47.  Basic earnings per share for
the quarter ended  September 30, 1999 were  calculated  based on 689,886 average
shares  outstanding  and diluted  earnings  per share were  calculated  based on
714,501 average shares outstanding.  Basic earnings per share for the comparable
quarter ended September 30, 1998 was $0.32 per share while diluted  earnings per
share was $0.31.  Basic  earnings per share for the quarter ended  September 30,
1998 were  calculated  based on 761,216  average shares  outstanding and diluted
earnings per share were calculated based on 791,932 average shares outstanding.

Net interest income after provision for loan losses was $952,155 for the quarter
ended  September 30, 1999  compared to $745,546 for the quarter ended  September
30, 1998, an increase of $206,609.  This increase was a result of total interest
income  increasing  $84,230 from  $2,290,769 in 1998 to $2,374,999 in 1999 while
total interest expense decreased  $106,179 from $1,529,023 in 1998 to $1,422,844
in 1999.  The  increase in total  interest  income was due to an increase in the
average yield on interest  earning  assets while the decrease in total  interest
expense was a result of a decrease in the average cost of deposits.

Total  non-interest  income  increased  from  $254,416  for  the  quarter  ended
September  30, 1998 to $263,846 for the quarter ended  September  30, 1999.  The
increase was primarily due to higher service charge income and other income from
the Bank's service corporation  partially offset by gains on sales of investment
securities recognized in 1998.

The Company's  total  non-interest  expense for the three months ended September
30, 1999 was $721,955  compared to $618,665 for the comparable  quarter in 1998.
The  increase  was  primarily  due to  increases  in  compensation  and benefits
expense,  occupancy and equipment expense,  data processing  expense,  and other
expense related to Year 2000 compliance issues.

Net earnings for the six months ended September 30, 1999, were $605,543 compared
to  $429,749  for the six months  ended  September  30,  1998,  an  increase  of
$175,794. The increase was primarily due to increases in net interest income and
non-interest  income,  partially  offset,  by an increase in total  non-interest
expense.

Net  interest  income after  provision  for loan losses for the six month period
ended September 30, 1999 was $1,864,875 compared to $1,517,132 for the six month
period ended  September 30, 1998, an increase of $347,743.  The increase was due
to an increase in the Bank's net interest margin.

Non-interest  income for the six months ended  September 30, 1999,  was $450,489
compared to $384,491  for the six month  period a year  earlier,  an increase of
$65,998.  The  increase  was due to an  increase  in service  charges  and other
non-interest income offset by gains on sales of investment securities in 1998.

The Company's  non-interest  expense for the six months ended September 30, 1999
was  $1,402,911,  compared to $1,232,095 for the six months ended  September 30,
1998,  an  increase  of  $170,816.  The  increase  was  due  to an  increase  in
compensation  and benefits,  occupancy and equipment  expense,  data  processing
expense and other non-interest expense related to Year 2000 issues.
<PAGE>
PROVISION FOR LOAN LOSSES
-------------------------

For the three  months  ended  September  30,  1999 the  Company did not record a
provision  for loan  losses  in  accordance  with its  classification  of assets
policy.  The Company's loan portfolio  consists  primarily of one to four family
loans, and has experienced minimal charge-offs in the past two years.

At September 30, 1999,  the Bank's  allowance  for loan losses was $308,155,  or
117% of non-performing  assets compared to $311,196,  or 135% at March 31, 1999.
The  allowance  for loan losses was .41% of total loans at  September  30, 1999,
compared to .45% at March 31, 1999.

At September 30, 1999,  non-performing assets were $263,594 compared to $231,000
at March 31, 1999.  Loans are considered  non-performing  when the collection of
principal  and/or  interest is not probable,  or in the event  payments are more
than 90 days  delinquent.

                                       8
<PAGE>
Management  will  continue  to monitor  its  allowance  for loan losses and make
additions to the  allowance  through the  provision  for loan losses as economic
conditions dictate. Although the Company maintains its allowance for loan losses
at a level  considered  to be adequate,  there can be no  assurance  that future
losses will not exceed estimated amounts or that additional  provisions for loan
losses will not be required in the future.

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

The Bank is subject to three capital to asset  requirements  in accordance  with
Office of Thrift Supervision (the "OTS")  regulations.  The following table is a
summary of the Bank's regulatory capital  requirements  versus actual capital at
September 30, 1999.
<TABLE>
<CAPTION>

                              Actual               Required           Excess
                          Amount/Percent        Amount/Percent    Amount/Percent
                          --------------        --------------    --------------
                                             (Dollars in Thousands)
<S>                       <C>                    <C>              <C>
Tangible Capital          $12,388/ 9.09%         $2,044/1.50%     $10,344/ 7.59%

Core Leverage Capital     $12,388/ 9.09%         $4,088/3.00%      $8,300/ 6.09%

Risk-based Capital        $12,689/20.13%         $5,044/8.00%      $7,645/12.13%
</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 September  30, 1999 was
53.69%.

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 September 30, 1999 and 1998 were
$2,577,947 and  $10,546,795  respectively.  The decrease was primarily due to an
increase in net cash used in financing activities.
<PAGE>
Net cash provided by financing activities decreased from $11,298,457 for the six
months ended  September  30, 1998  compared to  ($1,208,345)  for the six months
ended  September  30,  1999.  The  decrease in net cash  provided  by  financing
activities   was  due  to  repayments  of  FHLB  advances  and  a  reduction  in
available-for-sale securities.

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

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

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

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

                                       9
<PAGE>
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  has  replaced  its
computer  hardware with Year 2000 compliant  equipment and updated software with
Year 2000 compliant  versions.  The primary service  provider for the Company is
Fiserv,  Inc., Des Moines, Iowa. Fiserv has provided the Company with proxy test
results indicating Year 2000 compliance. A specific connectivity was tested with
Fiserv in March 1999.  Third party vendors have  identified Year 2000 issues and
are completing revisions to systems and software to become Year 2000 compliant.

Security  systems,  heating and cooling systems and other mechanical  devices on
which the Company relies have been evaluated.

The approximate cost incurred by the Company to date for Year 2000 compliance is
$83,000. Other expenses, if incurred, are expected to be minimal.

The Company is substantially  dependent on its computer systems and the computer
system of its data  processor.  Failure of the data center  would have a serious
impact on the  operation of the Company and could result in an  interruption  of
service to customers, as well as an adverse financial impact on the Company. The
worse case scenario  might be, (1) loss of customers due to decreased  levels of
customer service or loss of utilities,  (2) large withdrawal  requests  creating
deposit  outflows,  (3) increased  employee  expense if extra staff is needed to
perform data processing.

The  Company  has  prepared a  contingency/business  resumption  plan to provide
contingencies for possible serious failures of the Company's hardware,  software
or vendor's  systems.  The plan  addresses  recovery  procedures  for  potential
failures  in the  event of a Year 2000  disruption.  The  Company  has taken the
necessary steps to validate and test its contingency/business resumption plan in
order to minimize the impact on operations should there be system failures.

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
            ---------------------------------------------------

            On July 22, 1999, the annual meeting of stockholders was held at the
            Hardin  United  Methodist  Church  Fellowship  Hall  located  at 101
            Northeast 1st Street, Hardin, Missouri.

            The meeting was  conducted  with a quorum  present in person,  or by
            proxy.  Matters,  which were submitted to and approved by a majority
            of stockholders, were as follows:

            1. The  election  of two  directors  of the  Company  for three year
               terms.  Robert King  received  631,878 votes for and 14,740 votes
               were  withheld.  David  Lodwick  received  631,478 votes for, and
               15,140 votes were withheld.

            2. The  ratification  of the  appointment of KPMG as the auditors of
               the Company for the fiscal year ending March 31, 2000.  Votes for
               KPMG were 628,727, votes against were 11,840 and votes abstaining
               were 6,051.


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

             As of September  30, 1999,  the Company held 323,247  shares of its
             common stock as treasury  stock at an aggregate  purchase  price of
             $4,763,630.

            On  September  16, 1999 the Board of  Directors  declared a $.20 per
            share  cash  dividend  to all  stockholders  of record on October 1,
            1999, payable on October 15, 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: November 15, 1999                /s/ Robert W. King
      -----------------                ------------------
                                       Robert W. King, President and Chief
                                       Executive Officer (Duly Authorized
                                       Officer)



Date: November 15, 1999                /s/ Karen K. Blankenship
      -----------------                ------------------------
                                       Karen K. Blankenship, Senior Vice
                                       President and Secretary (Principal
                                       Accounting Officer)

                                       12