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 June 30, 1998

                                       OR

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

        For the transition period from __________ to ___________

                         Commission File Number 0-26560

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

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

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

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

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

   Yes (X)       No ( )

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

                Class                          Outstanding at June 30, 1998
     ---------------------------               ----------------------------
     Common stock, .01 par value                           816,392

<PAGE>

                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                                    CONTENTS

                                                                            Page
                                                                            ----
PART I

FINANCIAL INFORMATION

Item 1.

Unaudited Financial Statements

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

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

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

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

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

Item 2.

Management's Discussion and Analysis of
Financial Condition and Results of
Operations................................................................  7-9

PART II

OTHER INFORMATION.........................................................   10

Signatures................................................................   11

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                           Consolidated Balance Sheets


                                                   (Unaudited)      (Audited)
                                                  June 30, 1998   March 31, 1998
                                                  -------------   --------------
                     Assets
                     ------
Cash ...........................................   $    621,990    $    556,927
Interest bearing deposits ......................      3,925,752       3,224,874
Investment securities:
  Held-to-maturity .............................     10,000,000      10,000,000
  Available-for-sale ...........................     29,754,833      22,656,010
Mortgage-backed securities:
  Held-to-maturity .............................     10,395,906      10,995,511
  Available-for-sale ...........................      7,888,106       8,019,725
Loans receivable, net ..........................     65,521,803      61,273,984
Accrued interest receivable on:
  Investment securities ........................        451,471         359,601
  Mortgage-backed securities ...................        127,932         133,459
  Loans receivable .............................        445,588         395,138
Real estate owned ..............................              0               0
Premises and equipment .........................      1,865,546       1,725,383
Stock in Federal Home Loan Bank (FHLB)
  of Des Moines, at cost .......................      1,975,000       1,475,000
Prepaid expenses and other assets ..............        346,378         276,492
                                                   ------------    ------------
Total assets ...................................   $133,320,305    $121,092,104
                                                   ============    ============

      Liabilities and Stockholders' Equity
      ------------------------------------
Liabilities:
  Deposits .....................................   $ 79,007,027    $ 76,884,462
  Advances from borrowers for property
    taxes and insurance ........................        426,456         264,317
  Advances from FHLB ...........................     39,500,000      29,500,000
  Accrued interest payable .....................         66,400          56,149
  Income taxes payable:
    Current ....................................        191,111         323,520
    Deferred ...................................         31,923          15,000
  Accrued expenses and other liabilities .......        625,657         571,084
                                                   ------------    ------------
Total liabilities ..............................    119,848,574     107,614,532
                                                   ------------    ------------
Stockholders' equity:
  Common stock, $.01 par value; 3,500,000 shares
    authorized, 1,058,000 shares issued ........         10,580          10,580
  Serial preferred stock, $.01 par value;
    500,000 shares authorized, none issued or
    outstanding ................................              0               0
  Additional paid in capital ...................     10,165,436      10,165,436
  Retained earnings ............................      7,560,919       7,482,320
  Unrealized loss on available for sale
    securities, net ............................        (69,511)        (98,326)
  Unearned employee stock ownership plan .......       (518,280)       (518,280)
  Deferred recognition and retention plan ......       (304,074)       (327,011)
  Treasury stock (241,608 and 234,440, shares at
    cost, respectively) ........................     (3,373,339)     (3,237,147)
                                                   ------------    ------------
Total stockholders' equity .....................     13,471,731      13,477,572
                                                   ------------    ------------
Total liabilities and stockholders' equity .....   $133,320,305    $121,092,104
                                                   ============    ============

See accompanying notes to consolidated financial statements.


                                       1

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                       Consolidated Statements of Earnings
                           For the Three Months Ended
                             June 30, 1998 and 1997
                                   (Unaudited)


                                                         1998            1997
                                                      ----------      ----------
Interest income:
  Loans receivable .............................      $1,307,251      $1,152,107
  Mortgage-backed securities ...................         283,477         313,385
  Investment securities ........................         569,461         395,622
  Other ........................................          64,656          93,517
                                                      ----------      ----------
Total interest income ..........................       2,224,845       1,954,631
                                                      ----------      ----------
Interest expense:
  Deposits .....................................         980,205         916,570
  FHLB advances ................................         458,054         291,951
                                                      ----------      ----------
Total interest expense .........................       1,438,259       1,208,521
                                                      ----------      ----------
Net interest income ............................         786,586         746,110

Provision for loan losses ......................          15,000          39,000
                                                      ----------      ----------
Net interest income after provision
  for loan losses ..............................         771,586         707,110
                                                      ----------      ----------
Non-interest income:
  Service charges ..............................          77,103          24,632
  Loan servicing fees ..........................           7,979           8,153
  Gain on sale of loans held for sale ..........          14,998           2,484
  Gain on sale of real estate owned ............               0           4,105
  Gain on sale of investments and
    mortgage-backed securities .................          12,602          44,431
  Other ........................................          17,393          29,998
                                                      ----------      ----------
Total non-interest income ......................         130,075         113,803
                                                      ----------      ----------
Non-interest expense:
  Compensation and benefits ....................         325,723         272,803
  Occupancy and equipment ......................          57,236          29,647
  Federal insurance premiums ...................          11,942          11,013
  Data processing ..............................          34,996          23,787
  Real estate owned ............................               0           1,043
  Other ........................................         183,533         116,692
                                                      ----------      ----------
Total non-interest expense .....................         613,430         454,985
                                                      ----------      ----------
Earnings before income taxes ...................         288,231         365,928

Income tax expense .............................         102,593         135,212
                                                      ----------      ----------
Net earnings ...................................      $  185,638      $  230,716
                                                      ==========      ==========
Net earnings per share:
  Basic ........................................      $     0.24      $     0.29
  Diluted ......................................            0.23            0.28
                                                      ==========      ==========

See accompanying notes to consolidated financial statements.


                                       2

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                 Consolidated Statements of Stockholders' Equity
                    For the Three Months Ended June 30, 1998
                                   (Unaudited)


<TABLE>
<CAPTION>
                                                                                   Unearned
                                                                    Unrealized     Employee
                                          Additional              Gain or (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, 1998 ....  $10,580   10,165,436  7,482,320      (98,326)     (518,280)    (327,011)  (3,237,147)    13,477,572
Net earnings .................        0            0    185,638            0             0            0            0        185,638
Change in net unrealized loss
  on securities available
  for sale, net of tax .......        0            0          0       28,815             0            0            0         28,815
Repurchase of common stock ...        0            0          0            0             0            0     (136,192)      (136,192)
Amortization of recognition 
  and retention plan .........        0            0          0            0             0       22,937            0         22,937
Dividends declared
  ($.14 per share) ...........        0            0   (107,039)           0             0            0            0       (107,039)
                                -------   ----------  ---------      -------      --------     --------   ----------     ----------
Balance at June 30, 1998 .....   10,580   10,165,436  7,560,919      (69,511)     (518,280)    (304,074)  (3,373,339)    13,471,731
                                =======   ==========  =========      =======      ========     ========   ==========     ==========
</TABLE>

See accompanying notes to consolidated financial statements.


                                       3

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
                    Three Months Ended June 30, 1998 and 1997
                                   (Unaudited)

                                                        1998            1997
                                                    ------------    -----------
Operating Activities:
Net Earnings ...................................... $    185,638        230,716
Adjustments to reconcile net earnings
  to net cash provided by operating activities:
    Provision for losses on loans .................       15,000         39,000
    Depreciation ..................................       32,813         16,327
    Premium accretion and amortization
      of discounts and deferred loan fees, net ....     (162,154)        15,586
    Net (gain)/loss on sale of loans and investment
      and mortgage-backed securities ..............      (27,600)             0
    Gain on real estate owned .....................            0         (4,105)
    Proceeds from sale of loans ...................      393,580              0
    Origination of loans held for sale ............     (842,830)             0
    Amortization of deferred Recognition
      and Retention Plan (RRP) ....................       22,937         21,172
    Changes in asset and liabilities:
      Interest receivable .........................     (136,793)        94,669
      Other assets ................................      (69,886)        10,334
      Accrued interest payable ....................       10,251         24,258
      Accrued expense and other liabilities .......       54,597         61,859
      Income taxes payable ........................     (132,409)        87,668
                                                    ------------    -----------
Net cash (used in) provided by operating activities     (656,856)       597,484
                                                    ------------    -----------
Investing Activities:
  Net increase in loans receivable ................   (4,270,943)    (1,196,332)
  Proceeds from sales of loans ....................      468,870              0
  Principal payments on mortgage-backed and
    related securities:
      Available-for-sale ..........................      393,686        254,883
      Held-to-maturity ............................      588,226        382,436
  Purchase of investment securities
    available-for-sale ............................  (13,942,348)    (3,148,453)
  Proceeds from maturities of investment securities
    Available-for-sale ............................    6,000,000      4,000,000
    Proceeds from sales of investment securities ..      816,833         98,537
    Purchase of stock in FHLB of Des Moines .......     (500,000)      (250,000)
    Proceeds from sales of real estate owned ......            0        107,515
    Purchase of office properties and equipment ...     (172,976)       (29,367)
                                                    ------------    -----------
Net cash (used in) provided by investing activities $(10,618,652)       219,219
                                                    ------------    -----------


                                       4

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
                    Three Months Ended June 30, 1998 and 1997
                                   (Unaudited)

                                                        1998            1997
                                                    ------------    -----------
Financing Activities:
  Net increase in savings deposits ................    2,122,565      3,965,127
  Proceeds from FHLB advances .....................   10,000,000     10,000,000
  Repayments of FHLB advances .....................            0    (10,000,000)
  Net increase in advances from borrowers for
    taxes and insurance ...........................      162,139        118,187
  Payment of dividends ............................     (107,063)       (85,936)
  Purchase of treasury stock ......................     (136,192)             0
                                                    ------------    -----------
Net cash provided by financing activities .........   12,041,449      3,997,378
                                                    ------------    -----------
Increase in cash ..................................      765,941      4,814,081

Cash at beginning of period .......................    3,781,801      4,265,909
                                                    ------------    -----------
Cash at end of period .............................    4,547,742      9,079,990
                                                    ------------    -----------
Supplemental disclosure of cash flow information:
  Cash paid for:
    Interest ...................................... $  1,428,008      1,184,263
    Income taxes, net of refunds .................. $    235,002         47,544
Noncash investing and financing:
  Dividends declared and payable .................. $    114,295         95,483

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, 1998, such
     information and footnotes have not been duplicated  herein.  In the opinion
     of  management,  all  adjustments,  consisting  only  of  normal  recurring
     accruals,  which are  necessary  for the fair  presentation  of the interim
     financial statements have been included.  The statement of earnings for the
     three month period ended June 30, 1998 are not  necessarily  indicative  of
     the results  which may be expected for the entire year.  The March 31, 1998
     consolidated  balance sheet has been derived from the audited  consolidated
     financial statements as of that date.

(2)  Earnings Per Share

     Basic  earnings  per share  excludes  dilution  and is computed by dividing
     income  available to common  stockholders by the weighted average number of
     common shares  outstanding  during the period.  Diluted  earnings per share
     includes the effect of potential  dilutive  common shares  (stock  options)
     outstanding  during the  period.  All per share data has been  restated  to
     reflect the adoption of SFAS No. 128.

     For the three months ended June 30, 1998 the only difference  between basic
     and diluted  earnings  per share lies in the  computation  of the  weighted
     average shares  outstanding.  The diluted  weighted average shares includes
     36,350 shares as a result of the assumption  that stock options  granted by
     the Company had been exercised.

(3)  Comprehensive Income

     On April 1, 1998 the Company adopted SFAS No. 130, "Reporting Comprehensive
     Income"  which  requires  the  reporting  of  comprehensive  income and its
     components.  Comprehensive  income is defined as the change in equity  from
     transactions and other events and circumstances  from non-owner sources and
     excludes  investments by and distributions to owners.  Comprehensive income
     includes  net income and other items of  comprehensive  income  meeting the
     above criteria.  The Company's only component of other comprehensive income
     is  the  unrealized   holding  gains  and  losses  on  available  for  sale
     securities.

                                                      For the three months ended
                                                               June 30,
                                                      --------------------------
                                                        1998              1997
                                                      --------          --------
     Net income ...................................   $186,000          $231,000
     Change in unrealized security loss, net ......     32,000           110,000
                                                      --------          --------
     Comprehensive ................................   $218,000          $341,000
                                                      --------          --------


                                       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  $133,320,305 as of June 30,
1998, as compared to $121,092,104 on March 31, 1998, an increase of $12,228,201.
The increase was primarily  funded by an increase in deposits of $2,122,565  and
an  increase in  advances  from the Federal  Home Loan Bank of Des Moines in the
amount of $10,000,000.

The 10.1% growth rate of assets for the quarter is ahead of the Company's growth
objectives.  The funds were used to  purchase  investment  securities,  interest
bearing deposits and to fund loan growth.

Loans  receivable,   net,  increased  to  $65,521,803  on  June  30,  1998  from
$61,273,984  on March 31,  1998,  an  increase  of  $4,247,819.  Mortgage-backed
securities  decreased $731,224 to $18,284,012 on June 30, 1998, from $19,015,236
on March 31, 1998. The decrease in  mortgage-backed  securities and the increase
in loans  reflect the Bank's plan to increase  the loan  portfolio  and decrease
mortgage-backed securities.

Cash, interest bearing deposits,  and investment securities increased $7,864,764
from  $36,437,811  on March 31,  1998,  to  $44,302,575  on June 30,  1998.  The
increase  was  primarily  funded by an  increase  in savings  deposits  and FHLB
advances.

Deposits  totaled  $79,007,027 on June 30, 1998, an increase of $2,122,565  from
$76,884,462  on March 31, 1998.  The increase in deposits is primarily  due to a
successful  special  certificate  of  deposit  promotion  and  the  Bank's  high
performance checking account program.

Stockholders'  equity was $13,471,731 on June 30, 1998,  compared to $13,477,572
on March 31, 1998. The small change in stockholders' equity was the result of an
increase  in retained  earnings,  which was offset by the  acquisition  of 7,168
shares of treasury  stock at an aggregate  purchase  price of $136,192 or $19.00
per share.

                                       7

<PAGE>

RESULTS OF OPERATIONS
---------------------

Net earnings for the  Company's  first fiscal  quarter  ended June 30, 1998 were
$185,638  compared to $230,716 for the comparable  quarter in 1997. The decrease
was due to an increase in  non-interest  expense  associated  primarily with the
addition  of  employees  to staff  the new  Richmond  branch  office  and  other
additional expenses related to the opening of the facility on March 31, 1998.

Basic  earnings  per share for the  quarter  ended June 30,  1998 were $0.24 per
share while diluted earnings per share were $0.23. Basic earnings per share were
calculated based on 763,500 average shares  outstanding and diluted earnings per
share  were  calculated  based on  800,222  average  shares  outstanding.  Basic
earnings per share for the comparable quarter ended June 30, 1997 were $0.29 per
share while diluted earnings per share were $0.28. Basic earnings per share were
calculated based on 795,680 average shares  outstanding and diluted earnings per
share were calculated based on 812,574 average shares outstanding.

Net interest  income after  provision for loan losses for the quarter ended June
30, 1998 was $771,586  compared to $707,110 for the quarter ended June 30, 1997,
an increase of $64,476. This increase was a result of interest income increasing
$270,214 from  $1,954,631 in 1997 to $2,224,845 in 1998 while  interest  expense
increased  $229,738 from $1,208,521 in 1997 to $1,438,259 in 1998. The increases
in interest income and interest expense are both due to increases in the average
balance of interest-earning assets and interest-bearing liabilities.

Non-interest  income increased from $113,803 for the quarter ended June 30, 1997
to $130,075 for the quarter ended June 30, 1998.  The increase was due to higher
service charge income and gains realized on the sale of loans  partially  offset
by lower gains on the sale of real estate owned, investments and mortgage-backed
securities.  Other non-interest  income declined due to reduced income generated
by the Bank's service corporation.

The Company's  non-interest expense for the three months ended June 30, 1998 was
$613,430  compared to $454,985 for the comparable  quarter in 1997. The increase
was due to higher  compensation  and benefits  expense,  higher data  processing
expense,  higher occupancy and equipment expense, and other non-interest expense
primarily a result of the new branch office in Richmond and costs related to the
Bank's high performance checking program.


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 June 30,  1998,  was $15,000.  Based upon
the analysis of the addition to established  allowances  and the  composition of
the loan portfolio,  management concluded that the allowance is adequate.  While
current economic  conditions in the Bank's market are stable,  future conditions
will dictate the level of future allowances for losses on loans.


NONPERFORMING ASSETS
--------------------

On June 30, 1998,  non-performing  assets were $180,754  compared to $231,577 on
March 31,  1998.  On June 30,  1998,  the Bank's  allowance  for loan losses was
$262,710,  or 145% of  non-performing  assets  compared to $247,710,  or 107% on
March 31, 1998.

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

The allowance for loan losses was .40% of total loans as of June 30, 1998 and at
March 31, 1998.

                                       8

<PAGE>

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 June
30, 1998.

                                  Actual           Required           Excess
                              Amount/Percent    Amount/Percent    Amount/Percent
                              --------------    --------------    --------------
Tangible Capital ...........  $11,643/08.82%     $2,329/2.00%     $9,314/06.82%

Core Leverage Capital ......  $11,643/08.82%     $4,657/4.00%     $6,986/04.82%

Risk-based Capital .........  $11,906/21.68%     $4,392/8.00%     $7,514/13.68%


LIQUIDITY
---------

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

The Bank is required to maintain  minimum  levels of liquid assets as defined by
regulations.   The  required   percentage  is  currently  four  percent  of  net
withdrawable savings deposits and borrowings payable on demand or in one year or
less.  The Bank has  maintained  its  liquidity  ratio at levels  exceeding  the
minimum requirement. The eligible liquidity ratio at June 30, 1998 was 48.21%.

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 June 30,  1998 and 1997 were
$4,547,742 and  $9,079,990,  respectively.  The decrease was primarily due to an
increase in net cash used in investing activities.

Net cash provided by financing  activities  increased  from  $3,997,378  for the
three months ended June 30, 1997  compared to  $12,041,449  for the three months
ended June 30, 1998.


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

The Financial  Accounting Standards Board (FASB) issued SFAS No. 133, Accounting
for Derivative  Instruments and Hedging  Activities,  in June 1998. SFAS No. 133
establishes  accounting  and  reporting  standards for  derivative  instruments,
including certain derivative  instruments  embedded in other contracts,  and for
hedging  activities.  It requires that an entity  recognize all  derivatives  as
either assets or liabilities in the statement of financial  position and measure
those  instruments  at fair value.  This  statement is effective  for all fiscal
quarters of fiscal  years  beginning  after June 15, 1999.  Management  believes
adoption  of SFAS  No.  133 will not have a  material  effect  on the  Company's
financial  position  or  results  of  operations,   nor  will  adoption  require
additional capital resources


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

The Company utilizes and is dependent upon data processing  systems and software
to conduct its business.  The data processing systems and software include those
developed and maintained by the Company's data processor and purchased  software
which is run on in-house  computer  networks.  In 1997 the  Company  initiated a
review and  assessment  of all  hardware  and  software to confirm  that it will
function  properly in the year 2000.  The  Company's  data  processor  and those
vendors,  which have been  contacted,  have indicated that their hardware and/or
software  will be Year 2000  compliant by the end of 1998.  This will allow time
for the testing for compliance. While there may be some expenses incurred during
the  next  two  years,  it is not  expected  to have a  material  effect  on the
Company's consolidated financial condition or results of operations.

                                       9

<PAGE>

                           PART II - OTHER INFORMATION


Item 1.   Legal Proceedings
          -----------------

          None.


Item 2.   Changes in Securities
          ---------------------

          None.


Item 3.   Defaults Upon Senior Securities
          -------------------------------

          None.


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

          None.


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

          None.


Item 6.   Exhibits and Reports on Form 8-K
          --------------------------------

          Exhibits:

          27 -- Financial Data Schedule

          Reports on Form 8-K:

          None.


                                       10

<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:  August 14, 1998                       Robert W. King
       ---------------                       -----------------------------------
                                             Robert W. King, President and Chief
                                             Executive Officer (Duly Authorized
                                             Officer)



Date:  August 14, 1998                       Karen K. Blankenship
       ---------------                       -----------------------------------
                                             Karen K. Blankenship, Senior Vice
                                             President and Secretary (Principal
                                             Accounting Officer)


                                       11