SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                   FORM 10-QSB


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

        For the quarterly period ended September 30, 1997

                                       OR

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

        For the transition period from __________ to___________

                         Commission File Number 0-26560

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

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

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

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

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

   Yes (X)       No (  )

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

             Class                             Outstanding at September 30, 1997
---------------------------                   ----------------------------------
Common stock, .01 par value                                859,360


<PAGE>


                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                                    CONTENTS


    PART I

    FINANCIAL INFORMATION

    Item 1.

    Unaudited Financial Statements                                       Page

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

        Consolidated Statements of Operations..............................2

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

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

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

    Item 2.

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

    PART II

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

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


<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                           Consolidated Balance Sheets
                         September 30 and March 31, 1997

                                                 (Unaudited)
                                                 September 30         March 31
                                                 ------------         --------
           Assets
           ------
Cash .......................................    $     443,703     $     258,745
Interest bearing deposits ..................        6,715,255         4,007,164
Investment securities
  available-for-sale .......................       28,503,550        22,340,420
Mortgage-backed securities:
    Held-to-maturity .......................       12,366,518        13,456,912
    Available-for-sale .....................        8,288,999         5,757,213
Loans receivable, net ......................       57,799,181        54,567,570
Accrued interest receivable:
    Investment securities ..................          183,997           309,223
    Mortgage-backed securities .............          147,218           144,271
    Loans receivable .......................          386,217           329,200
Real estate owned ..........................            8,272           103,410
Premises and equipment .....................          952,720           850,210
Stock in Federal Home Loan Bank
  (FHLB) of Des Moines, at cost ............        1,325,000           950,000
Deferred income taxes receivable ...........            4,132            43,000
Prepaid expenses and other assets ..........          239,117           236,410
                                                -------------     -------------
           Total assets ....................    $ 117,363,879     $ 103,353,748
                                                =============     =============
       Liabilities and Stockholders' Equity
       ------------------------------------
Liabilities:
    Deposits ...............................    $  75,827,145     $  70,200,857
    Advances from borrowers for
      taxes and insurance ..................          496,967           275,440
    Advances from FHLB .....................       26,500,000        19,000,000
    Accrued interest payable ...............           97,601            55,251
    Current income taxes payable ...........          200,569           137,164
    Accrued expenses and other
      liabilities ..........................          705,943           475,310
                                                -------------     -------------
           Total liabilities ...............      103,828,225        90,144,022

Stockholders'equity:
    Serial preferred stock, $.01
      par value; 500,000 shares
      authorized, none issued or
      outstanding ..........................                0                 0
    Common stock, $.Ol par value:
      3,500,000 shares authorized,
      1,058,000 shares issued ..............           10,580            10,580
    Additional paid-in capital .............       10,084,729        10,084,729
    Retained earnings ......................        7,212,133         6,994,680
    Unrealized loss on
      available-for-sale securities, net ...         (168,466)         (234,597)
    Unearned employee stock
      ownership plan .......................         (636,800)         (636,800)
    Deferred recognition and
      retention plan .......................         (371,120)         (413,464)
    Treasury stock (198,640 shares
      at cost) .............................       (2,595,402)       (2,595,402)
                                                -------------     -------------
           Total stockholders' equity ......       13,535,654        13,209,726
                                                -------------     -------------
           Total liabilities and
             stockholders' equity ..........    $ 117,363,879     $ 103,353,748
                                                =============     =============


                                       1
<PAGE>


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

<TABLE>
<CAPTION>

                                                      Three months ended             Six months ended
                                                         September 30                   September 30
                                                   ------------------------    -------------------------
                                                      1997          1996            1997         1996
                                                      ----          ----            ----         ----
Interest income:
<S>                                               <C>           <C>              <C>         <C>        
      Loans receivable ........................   $ 1,175,879   $ 1,015,955    $ 2,327,986   $ 1,963,516
      Mortgage-backed securities ..............       285,801       345,264        599,186       713,129
      Investment securities ...................       462,610       206,001        858,232       403,030
      Other ...................................       118,478        29,999        211,995        90,064
                                                  -----------   -----------    -----------   -----------
           Total interest income ..............     2,042,768     1,597,219      3,997,399     3,169,739
                                                  -----------   -----------    -----------   -----------
Interest expense:
      Deposits ................................       968,214       837,603      1,884,784     1,666,710
      FHLB advances ...........................       318,369        77,561        610,320       145,849
                                                  -----------   -----------    -----------   -----------
           Total interest expense .............     1,286,583       915,164      2,495,104     1,812,559
                                                  -----------   -----------    -----------   -----------
           Net interest income ................       756,185       682,055      1,502,295     1,357,180
Provision for loan losses .....................        15,577         8,590         54,577        16,090
                                                  -----------   -----------    -----------   -----------
           Net interest income after
            provision for losses ..............       740,608       673,465      1,447,718     1,341,090
                                                  -----------   -----------    -----------   -----------
Non-interest income:
      Service charges .........................        29,757        18,656         54,389        39,221
      Loan servicing fees .....................         8,184         9,193         16,337        18,806
      Gain on sale of loans held for sale .....        13,958             0         16,442             0
      Gain on sale of real estate owned .......             0             0          4,105             0
      Gain (loss) on sale of investments and
            mortgage-backed securities ........         5,391        (7,696)        49,822        (7,696)
      Other income ............................        21,972        36,475         51,970        98,802
                                                  -----------   -----------    -----------   -----------
           Total non-interest income ..........        79,262        56,628        193,065       149,133
                                                  -----------   -----------    -----------   -----------
Non-interest expense:
      Compensation and benefits ...............       324,543       264,668        576,174       495,694
      Occupancy and equipment .................        32,529        25,538         62,176        51,424
      Federal insurance premiums ..............        11,048        38,062         22,061        75,833
      SAIF special assessment .................             0       441,018              0       441,018
      Data processing .........................        25,547        22,441         49,334        44,773
      Real estate owned .......................           363             0          1,406             0
      Other ...................................       144,282       146,728        282,146       279,749
                                                  -----------   -----------    -----------   -----------
           Total non-interest expense .........       538,312       938,455        993,297     1,388,491
                                                  -----------   -----------    -----------   -----------
           Earnings (loss) before income taxes        281,558      (208,362)       647,486       101,732
      Income tax expense (benefit) ............       103,857       (77,161)       239,069        37,657
                                                  -----------   -----------    -----------   -----------
           Net earnings (loss) ................   $   177,701   $  (131,201)   $   408,417        64,075
                                                  ===========   ===========    ===========   ===========
Net earnings (loss) per common share:
      Primary and fully diluted ...............   $      0.22   $     (0.14)   $      0.49   $      0.07
                                                  ===========   ===========    ===========   ===========
Weighted average common and common
            equivalent shares outstanding .....       826,071       929,763        826,071       941,167
                                                  ===========   ===========    ===========   ===========
</TABLE>


                                       2

<PAGE>


                     Hardin Bancorp, Inc. and Subsidiaries
                 Consolidated Statement of Stockholders' Equity
                  For The Six Months Ended September 30, 1997
                                  (Unaudited)

<TABLE>
<CAPTION>

                                                                                  Unearned
                                                                 Unrealized       Employee
                                     Additional                     Loss           Stock                                   Total
                            Common    Paid-in       Retained         on          Ownership      Deferred    Treasury   Stockholders'
                            Stock     Capital       Earnings   Securities, net      Plan           RRP        Stock        Equity
                            -----     -------       --------   ---------------      ----           ---        -----        ------
<S>                     <C>          <C>           <C>          <C>              <C>           <C>         <C>          <C>
Balance at March 31,
  1997 .............     $  10,580   $10,084,729   $ 6,994,680     $(234,597)    $(636,800)    $(413,464)  $(2,595,402) $13,209,726
Net earnings .......             0             0       408,417             0             0             0             0      408,417
Change in unrealized
  loss on available-
  for-sale securities,
  net of tax .......             0             0             0        66,131             0             0             0       66,131
Amortization of RRP              0             0             0             0             0        42,344             0       42,344
Dividends declared
  ($.12 per share)..             0             0      (190,964)            0             0             0             0     (190,964)
Balance at
 September 30, 1997      $  10,580   $10,084,729   $ 7,212,133     $(168,466)    $(636,800)    $(371,120)  $(2,595,402) $13,535,654
</TABLE>


                                       3
<PAGE>


                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
                  Six Months Ended September 30, 1997 and 1996
                                   (Unaudited)


<TABLE>
<CAPTION>

                                                                1997             1996
                                                                ----             ----
Operating activities:
<S>                                                        <C>             <C>         
Net earnings ...........................................   $    408,417    $     64,075
Adjustments to reconcile net earnings
    to net cash provided by operating activities:
  Provision for losses on loans ........................         54,577          16,090
  Depreciation .........................................         32,864          24,529
  Premium accretion and amortization
    of discounts and deferred loan fees, net ...........         46,366          45,593
  Net (gain)/loss on sale of loans and investment and
    mortage-backed securities ..........................        (66,264)          7,696
  (Gain)/loss on real estate owned .....................         (4,105)              0
  Amortization of deferred Recognition
    and Retention Plan (RRP) ...........................         42,344          42,343
  Provision for deferred income taxes ..................              0           1,538
  Changes in assets and liabilities:
    Interest receivable ................................        (11,628)       (207,279)
    Other assets .......................................         (2,707)         (4,144)
    Accrued interest payable ...........................         42,350          27,833
    Accrued expense and other liabilities ..............        228,728         595,588
    Income taxes payable ...............................         63,405        (176,983)
                                                           ------------    ------------
Net cash provided by operating activities ..............        834,347         436,879
                                                           ------------    ------------
Investing activities:
    Net increase in loans receivable ...................     (2,930,008)     (3,675,677)
    Purchase of loans receivable .......................       (340,000)     (1,712,590)
    Purchase of mortgage-backed securities:
       Available-for-sale ..............................     (7,819,121)              0
       Held-to-maturity ................................              0               0
    Principal payments on mortgage-backed securities ...      1,517,126       2,386,750
    Proceeds from sales of mortgage-backed securities ..      4,895,433         855,712
    Purchase of investment securities available-for-sale    (15,649,312)     (7,499,531)
    Proceeds from maturities of investment securities
       available-for-sale ..............................      9,148,589       2,000,000
    Proceeds from sales of investment securities .......        488,370               0
    Purchase of stock in FHLB of Des Moines ............       (375,000)              0
    Purchase of real estate owned ......................         (8,272)              0
    Proceeds from sales of real estate owned ...........        107,515               0
    Purchase of office properties and equipment ........       (135,374)       (291,787)
                                                           ------------    ------------
Net cash used in investing activities ..................   $(11,100,054)    $(7,937,123)
                                                           ============    ============
</TABLE>


                                       4

<PAGE>


                      Hardin Bancorp, Inc. and Subsidiaries
                Consolidated Statements of Cash Flow, (continued)
                  Six Months Fnded September 30, 1997 and 1996
                                   (Unaudited)


                                                       1997             1996
                                                       ----             ----
Financing Activities:
    Net increase in savings deposits .........    $  5,626,288     $     90,359
    Proceeds from FHLB advances ..............      17,500,000        5,000,000
    Repayments of FHLB advances ..............     (10,000,000)               0
    Net increase in advances from
       borrowers for taxes and insurance .....         221,527          234,272
    Payment of dividends .....................        (189,059)        (209,376)
    Purchase of treasury stock ...............               0       (1,116,685)
                                                  ------------     ------------
Net cash provided by financing activities ....      13,158,756        3,998,570
                                                  ------------     ------------
Increase/(decrease) in cash ..................       2,893,049       (3,501,674)
Cash at beginning of period ..................       4,265,909        5,683,953
                                                  ------------     ------------
Cash at end of period ........................    $  7,158,958      $ 2,182,279
                                                  ============     ============
Supplemental disclosure of cash flow
    information:
     Cash paid for:
         Interest ............................    $  2,452,754     $  1,784,726
         Income taxes, net of refunds ........    $    175,664     $    214,640
Noncash investing and financing:
    Allocation of treasury stock to RRP ......    $          0     $    498,150
    Dividends declared and payable ...........    $    103,123     $    100,510


See accompanying notes to consolidated financial statements.

                                       5

<PAGE>


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


(1)   Basis of Presentation

          The accompanying unaudited consolidated financial statements of Hardin
          Bancorp,  Inc. and subsidiaries  have been prepared in accordance with
          instructions  for Form  10-QSB.  To the extent  that  information  and
          footnotes  required by generally  accepted  accounting  principles for
          complete  financial  statements are contained in the audited financial
          statements  included in the Holding  Company's  Annual  Report for the
          year ended March 31, 1997,  such  information  and footnotes  have not
          been duplicated herein. In the opinion of management, all adjustments,
          consisting only of normal recurring accruals,  which are necessary for
          the fair  presentation of the interim  financial  statements have been
          included.  The  statements  of  earnings  for the  three and six month
          periods ended September 30, 1997 are not necessarily indicative of the
          results which may be expected for the entire year.  The March 31, 1997
          consolidated   balance   sheet  has  been  derived  from  the  audited
          consolidated financial statements as of that date.

(2)   Earnings Per Share

          Earnings  per share of common stock have been  determined  by dividing
          net earnings for the period by the weighted  average  number of shares
          of  common  stock  and  common  stock  equivalents  outstanding,  less
          treasury  shares  and  unallocated  ESOP  shares.  Stock  options  are
          regarded as common stock  equivalents and are therefore  considered in
          both primary and fully diluted earnings per share calculations. Common
          stock equivalents are computed using the treasury stock method.

          Earnings per share  amounts for the six month  period ended  September
          30, 1997 are based upon shares  outstanding  at  September  30,  1997,
          exclusive  of the shares  issued to the ESOP,  as though  those shares
          were outstanding for the entire period.


                                        6


<PAGE>





                      HARDIN BANCORP, INC. AND SUBSIDIARIES

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

GENERAL

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

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

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

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

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

FINANCIAL CONDITION

Consolidated  assets of Hardin Bancorp,  Inc. were  $117,363,879 as of September
30, 1997, an increase of $14,010,131 as compared to March 31, 1997. On September
30, 1997, total  stockholders'  equity was $13,535,654,  an increase of $325,928
when compared to stockholders'  equity on March 31, 1997. The increase in assets
was due to growth in  investment  securities  and the loan  portfolio  which was
funded by a  $7,500,000  increase  in  Federal  Home Loan Bank  advances  and an
increase in deposits in the amount of $5,626,288.  The increase in stockholders'
equity  was a result of a  decrease  in  unrealized  loss on  available-for-sale
securities,  net,  amortization of deferred  recognition and retention plan, net
earnings during the period,  off-set by the declaration of cash dividends on the
Company's common stock in June and September.

Cash,  interest  bearing  deposits,   and  investment  securities  increased  to
$35,662,508  at  September  30, 1997,  from  $26,606,329  on March 31, 1997,  an
increase of  $9,056,179.  The increase was partially  funded by FHLB advances in
order to leverage the Bank's strong capital position. Mortgage-backed securities
increased  $1,441,392 to $20,655,517 on September 30, 1997, from  $19,214,125 on
March 31, 1997.

Loans  receivable,  net increased to  $57,799,181  on September  30, 1997,  from
$54,567,570 on March 31, 1997, an increase of $3,231,611.

Deposits totaled $75,827,145 on September 30, 1997, an increase from $70,200,857
on March 31, 1997. The increase of $5,626,288 is due to a special certificate of
deposit  program  and  the  introduction  of a new  checking  account  marketing
program.

Federal Home Loan Bank advances were $26,500,000 on September 30, 1997, compared
to  $19,000,000  on March 31, 1997,  an increase of  $7,500,000.  The funds were
acquired to meet the  Company's  growth  objective,  and to fund the purchase of
U.S. government agency securities.

                                       7

<PAGE>


RESULTS OF OPERATIONS

Net  earnings  were  $177,701 for the three  months  ended  September  30, 1997,
compared  to a loss in the  amount  of  $131,201  for  the  three  months  ended
September 30, 1996. The increase in earnings was primarily due to an increase in
net interest income and a decrease in non-interest expense.

Net  interest  income  after  provision  for loan losses for the  quarter  ended
September 30, 1997, was $740,608 compared to $673,465 for the three months ended
September 30, 1996,  an increase of $67,143.  The increase is due to an increase
in interest  earning  assets  funded by an increase in deposits and Federal Home
Loan Bank advances.

Non-interest  income for the three months ended  September 1997 totaled  $79,262
compared  to $56,628 for the second  quarter of 1996.  The  increase  was due to
higher service charge income, a gain on the sale of loans and a gain on the sale
of investments, as opposed to a loss in 1996, partially off-set by a decrease in
other income.

The Company's non-interest expense for the three months ended September 30, 1997
was $538,312 compared to $938,455 in the comparable  quarter in 1996, a decrease
if $400,143.  The decrease was primarily due to a decrease in federal  insurance
premiums and SAIF special assessment of $468,032, which was partially off-set by
a $59,875  increase  in  compensation  and  benefits,  and a $6,991  increase in
occupancy and equipment expense.

Income tax expense for the three months ended  September 30, 1997,  was $103,857
compared to an income tax benefit in 1996 of $77,161. The increase is related to
an increase in earnings before income taxes.

Net earnings for the six months ended September 30, 1997, were $408,417 compared
to $64,075 for the six months ended September 30, 1996, an increase of $344,342.
The increase is related to a decrease in non-interest expense and an increase in
non-interest income and net interest income after provision for loan losses.

Net  interest  income after  provision  for loan losses for the six month period
ended  September 30, 1997,  was  $1,447,718  compared to $1,341,090  for the six
month period ended September 30, 1996, an increase of $106,628. The increase was
due to an increase in interest earning assets.

Non-interest  income for the six months ended  September 30, 1997,  was $193,065
compared to $149,133  for the six month  period a year  earlier,  an increase of
$43,932.  The increase was due to higher service fee income and gains recognized
on the sale of loans,  real estate owned,  and investments  and  mortgage-backed
securities.  These  increases  were  partially  off-set  by  decreases  in  loan
servicing fees and other non-interest income.

The Company's  non-interest  expense for the six months ended September 30, 1997
was $993,297,  compared to $1,388,491  for the six month period ended  September
30,  1996,  a decrease of  $395,194.  The  decrease  was due to reduced  federal
insurance  premiums and no SAIF special assessment  incurred in 1997,  partially
off-set by increases in compensation and benefits, occupancy and equipment, data
processing expense, real estate owned expense, and other non-interest expense.

Income tax expense for the six months ended  September  30,  1997,  was $239,069
compared to $37,657 for the similar period in 1996, an increase of $201,412. The
increase was due to the increase in earnings before income taxes.

PROVISION FOR LOAN LOSSES

The  provision  for loan  losses is based on the  periodic  analysis of the loan
portfolio by management.  In establishing  the provision,  management  considers
numerous  factors   including  general  economic   conditions,   loan  portfolio
condition,  prior loss experience,  and independent analysis.  The provision for
loan losses for the three months ended  September 30, 1997,  was $15,577 and for
the six months ended September 30, 1997, was $54,577. Based upon the analysis of
the  addition  to  established  allowances  and  the  composition  of  the  loan
portfolio,  management  concluded that the allowance is adequate.  While current
economic  conditions in the Bank's  market are stable,  future  conditions  will
dictate the level of future allowances for losses on loans.

NONPERFORMING ASSETS

On September 30, 1997,  nonperforming  assets were $166,981 compared to $167,519
on June 30, 1997.  At September 30, 1997,  the Bank's  allowance for loan losses
was $208,615, or 125% of nonperforming assets.

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

                                       8

<PAGE>

The allowance for loan losses was .361% of total loans as of September 30, 1997.

CAPITAL RESOURCES

The Bank is subject to three capital to asset  requirements  in accordance  with
Office of Thrift Supervision (OTS) regulations. The following table is a summary
of the  Bank's  regulatory  capital  requirements  versus  actual  capital as of
September 30, 1997.


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

Tangible Capital ..........       $11,601/10.00%   $1,740/1.50%    $9,861/8.50%
Core Leverage Capital .....       $11,601/10.00%   $3,479/3.00%    $8,122/7.00%
Risk-Based Capital ........       $11,810/26.82%   $3,523/8.00%    $8,287/18.82%


LIQUIDITY

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

The Bank is required to maintain  minimum  levels of liquid assets as defined by
regulations.   The  required   percentage  is  currently  five  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, 1997 was
12.45%.

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

For purposes of the cash flows,  all short-term  investments  with a maturity of
three months or less at the date of purchase are  considered  cash  equivalents.
Cash and cash equivalents for the periods ended September 30, 1997 and 1996 were
$7,158,958 and $2,182,279,  respectively.  The decrease was primarily due to the
net cash used in investing activities for loan origination,  loan purchases, and
the purchase of investment securities off-set by borrowings from FHLB.

Net cash provided by operating  activities  increased from $436,879 at September
30, 1996 to $834,347 at September 30, 1997. The increase was due to improved net
earnings,  exclusive of the SAIF assessment,  and normal  adjustments to accrued
income and expense items.


RECENT ACCOUNTING DEVELOPMENTS

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

                                       9

<PAGE>



In February 1997, the Financial  Accounting Standards Board issued Statement No.
128,  "Earnings  Per Share"  which  revises  the  calculation  and  presentation
provisions   of   Accounting   Principles   Board   Opinion   15   and   related
interpretations.  Statement No. 128 is effective  for the Company's  fiscal year
ending March 31, 1998.  Retroactive  application  will be required.  The Company
believes the adoption of SFAS No. 128 will not have a significant  effect on its
reports of earnings per share.

PENDING LEGISLATION

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



                                       10


<PAGE>

                           PART II - OTHER INFORMATION

Item 1. Legal Proceedings

     None.

Item 2. Changes in Securities

     None.

Item 3. Defaults Upon Senior Securities

     None.

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

     On July 24,  1997,  the  annual  meeting  of  stockholders  was held at the
     American Legion Hall, located at 103 West Elm 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.
          Karen  K.  Blankenship   received  758,135  votes  for,  13,700  votes
          withheld, and 45,931 broker non-votes.  Ivan R. Hogan received 757,635
          votes for, 14,200 votes withheld, and 45,931 broker non-votes.

     2.   The  ratification  of the  appointment of KPMG Peat Marwick LLP as the
          auditors of the company  for the fiscal  year ending  March 31,  1998.
          Votes for KPMG Peat  Marwick  LLP were  763,111,  votes  against  were
          1,300, votes abstaining 7,424, and broker non-votes were 45,931.

Item 5. Other Information

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

     As of  September  30, 1997,  the Company held 198,640  shares of its common
     stock as treasury stock at an aggregate purchase price of $2,595,402.

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

Item 6. Exhibits and Reports on Form 8-K

     Exhibits:

     27 - Financial Data Schedule

     Reports on Form 8-K:

     None.

                                       11


<PAGE>


                                   SIGNATURES

Pursuant  to the  requirement  of the  Securities  Exchange  Act  of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

                              HARDIN BANCORP, INC.
                                   Registrant



Date:  November 14, 1997                     /s/Robert W. King
     --------------------------              -----------------------------------
                                             Robert W. King, President and Chief
                                             Executive Officer (Duly Authorized
                                             Officer)



Date:  November 14, 1997                     /s/Karen K. Blankenship
     --------------------------              -----------------------------------
                                             Karen K. Blankenship, Senior Vice
                                             President and Secretary (Principal
                                             Accounting Officer)

                                       12