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, 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 September 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 ............................................... 7-10

PART II

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

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

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                           Consolidated Balance Sheets
                                   (Unaudited)


                                              September 30, 1998  March 31, 1998
                                              ------------------  --------------
                     Assets
                     ------
Cash ........................................    $    885,390      $    556,927
Interest bearing deposits ...................       9,661,405         3,224,874
Investment securities:
  Held-to-maturity ..........................               0        10,000,000
  Available-for-sale ........................      32,768,917        22,656,010
Mortgage-backed securities:
  Held-to-maturity ..........................               0        10,995,511
  Available-for-sale ........................      17,326,285         8,019,725
Loans receivable, net .......................      67,277,905        61,273,984
Accrued interest receivable on:
  Investment securities .....................         319,647           359,601
  Mortgage-backed securities ................         120,441           133,459
  Loans receivable ..........................         457,214           395,138
Premises and equipment ......................       1,842,955         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 ...........         361,390           276,492
                                                 ------------      ------------
Total assets ................................    $132,996,549      $121,092,104
                                                 ============      ============

      Liabilities and Stockholders' Equity
      ------------------------------------
Liabilities:
  Deposits ..................................    $ 78,766,896      $ 76,884,462
  Advances from borrowers for property
    taxes and insurance .....................         537,889           264,317
  Advances from FHLB ........................      39,000,000        29,500,000
  Accrued interest payable ..................          61,796            56,149
  Income taxes payable:
    Current .................................         165,097           323,520
    Deferred ................................          71,807            15,000
  Accrued expenses and other liabilities ....         702,823           571,084
                                                 ------------      ------------
Total liabilities ...........................     119,306,308       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 .........................       7,690,346         7,482,320
  Unrealized loss on available for sale
    securities, net .........................          (1,600)          (98,326)
  Unearned employee stock ownership plan ....        (518,280)         (518,280)
  Deferred recognition and retention plan ...        (282,902)         (327,011)
  Treasury stock (241,608 and 234,440,
    shares at cost, respectively) ...........      (3,373,339)       (3,237,147)
                                                 ------------      ------------
Total stockholders' equity ..................      13,690,241        13,477,572
                                                 ------------      ------------
Total liabilities and stockholders' equity ..    $132,996,549      $121,092,104
                                                 ============      ============

See accompanying notes to consolidated financial statements.


                                       1

<PAGE>

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

<TABLE>
<CAPTION>
                                           Three months ended         Six months ended
                                              September 30              September 30
                                        -----------------------   -----------------------
                                           1998         1997         1998         1997
                                        ----------   ----------   ----------   ----------
<S>                                     <C>          <C>          <C>          <C>       
Interest income:
  Loans receivable ..................   $1,358,504   $1,175,879   $2,665,755   $2,327,986
  Mortgage-backed securities ........      263,860      285,801      547,337      599,186
  Investment securities .............      575,237      462,610    1,144,698      858,232
  Other .............................       93,168      118,478      157,824      211,995
                                        ----------   ----------   ----------   ----------
Total interest income ...............    2,290,769    2,042,768    4,515,614    3,997,399
                                        ----------   ----------   ----------   ----------
Interest expense:
  Deposits ..........................      982,176      968,214    1,962,381    1,884,784
  FHLB advances .....................      546,847      318,369    1,004,901      610,320
                                        ----------   ----------   ----------   ----------
Total interest expense ..............    1,529,023    1,286,583    2,967,282    2,495,104
                                        ----------   ----------   ----------   ----------
Net interest income .................      761,746      756,185    1,548,332    1,502,295
Provision for loan losses ...........       16,200       15,577       31,200       54,577
                                        ----------   ----------   ----------   ----------
Net interest income after provision
  for loan losses ...................      745,546      740,608    1,517,132    1,447,718
                                        ----------   ----------   ----------   ----------
Non-interest income:
  Service charges ...................       90,556       29,757      167,659       54,389
  Loan servicing fees ...............        8,071        8,184       16,050       16,337
  Gain on sale of loans held for sale            0       13,958       14,998       16,442
  Gain on sale of real estate owned .            0            0            0        4,105
  Gain on sale of investments and
    mortgage-backed securities ......      118,444        5,391      131,046       49,822
  Other .............................       37,345       21,972       54,738       51,970
                                        ----------   ----------   ----------   ----------
Total non-interest income ...........      254,416       79,262      384,491      193,065
                                        ----------   ----------   ----------   ----------
Non-interest expense:
  Compensation and benefits .........      332,194      335,743      657,917      595,774
  Occupancy and equipment ...........       61,544       32,529      118,780       62,176
  Federal insurance premiums ........       11,734       11,048       23,676       22,061
  Data processing ...................       48,922       25,547       83,918       49,334
  Real estate owned .................            0          363            0        1,406
  Other .............................      164,271      133,082      347,804      262,546
                                        ----------   ----------   ----------   ----------
Total non-interest expense ..........      618,665      538,312    1,232,095      993,297
                                        ----------   ----------   ----------   ----------
Earnings before income taxes ........      381,297      281,558      669,528      647,486

Income tax expense ..................      137,186      103,857      239,779      239,069
                                        ----------   ----------   ----------   ----------
Net earnings ........................   $  244,111   $  177,701   $  429,749   $  408,417
                                        ==========   ==========   ==========   ==========
Net earnings per share:
  Basic .............................   $     0.32   $     0.22   $     0.56   $     0.51
                                        ==========   ==========   ==========   ==========
  Diluted ...........................         0.31         0.22         0.54         0.50
                                        ==========   ==========   ==========   ==========
</TABLE>

See accompanying notes to consolidated financial statements.


                                       2

<PAGE>

                      Hardin Bancorp, Inc. and Subsidiaries
                 Consolidated Statements of Stockholders' Equity
                   For the Six Months Ended September 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    429,749            0             0            0            0        429,749
Change in net unrealized loss
  on securities available
  for sale, net of tax .......        0            0          0       96,726             0            0            0         96,726
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       44,109            0         44,109
Dividends declared ...........        0            0   (221,723)           0             0            0            0       (221,723)
                                -------   ----------  ---------      -------      --------     --------   ----------     ----------
Balance at September 30, 1998   $10,580   10,165,436  7,690,346       (1,600)     (518,280)    (282,902)  (3,373,339)    13,690,241
                                =======   ==========  =========      =======      ========     ========   ==========     ==========
</TABLE>

See accompanying notes to consolidated financial statements.


                                       3

<PAGE>

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


<TABLE>
<CAPTION>
                                                              1998            1997
                                                          ------------    -----------
<S>                                                       <C>             <C>    
Operating Activities:
Net Earnings ..........................................   $    429,749   $    408,417
Adjustments to reconcile net earnings
  to net cash provided by operating activities:
    Provision for losses on loans .....................         31,200         54,577
    Depreciation ......................................         65,183         32,864
    Premium accretion and amortization
      of discounts and deferred loan fees, net ........       (182,644)        46,366
    Net (gain)/loss on sale of loans and
      investment and mortgage-backed securities .......       (146,044)       (66,264)
    Gain on real estate owned .........................              0         (4,105)
    Proceeds from sale of loans .......................        590,680              0
    Origination of loans held for sale ................     (1,896,140)             0
    Amortization of deferred Recognition
      and Retention Plan (RRP) ........................         44,109         42,344
    Changes in asset and liabilities:
      Interest receivable .............................         (9,104)       (11,628)
      Other assets ....................................        (84,898)        (2,707)
      Accrued interest payable ........................          5,647         42,350
      Accrued expense and other liabilities ...........        131,373        228,728
      Income taxes payable ............................       (158,423)        63,405
                                                          ------------    -----------
Net cash (used in) provided by operating activities ...     (1,179,312)       834,347
                                                          ------------    -----------
Investing Activities:
  Net increase in loans receivable ....................     (5,094,015)    (2,930,008)
  Purchase of loans receivable ........................              0       (340,000)
  Proceeds from sales of loans ........................        371,770              0
  Principal payments on mortgage-backed and
    related securities:
      Available-for-sale ..............................      1,324,085        449,793
      Held-to-maturity ................................      1,026,694      1,067,333
  Purchase of mortgage-backed securities:
      Available-for-sale ..............................              0     (7,819,121)
  Proceeds from sales of mortgage-backed securities ...              0      4,895,433
  Purchase of investment securities available-for-sale     (16,117,348)   (15,649,312)
  Proceeds from maturities of investment securities:
      Available-for-sale ..............................      8,000,000      9,148,589
  Proceeds from sales of investment securities ........      7,817,418        488,370
  Purchase of stock in FHLB of Des Moines .............       (500,000)      (375,000)
  Purchase of real estate owned .......................              0         (8,272)
  Proceeds from sales of real estate owned ............              0        107,515
  Purchase of office properties and equipment .........       (182,755)      (135,374)
                                                          ------------    -----------
Net cash (used in) investing activities ...............   $ (3,354,151)  $(11,100,054)
                                                          ------------    -----------
</TABLE>

                                       4

<PAGE>

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


<TABLE>
<CAPTION>
                                                              1998            1997
                                                          ------------    -----------
<S>                                                       <C>             <C>    
Financing Activities:
  Net increase in savings deposits ....................      1,882,434      5,626,288
  Proceeds from FHLB advances .........................     15,000,000     17,500,000
  Repayments of FHLB advances .........................     (5,500,000)   (10,000,000)
  Net increase in advances from borrowers for
    taxes and insurance ...............................        273,572        221,527
  Payment of dividends ................................       (221,357)      (189,059)
  Purchase of treasury stock ..........................       (136,192)             0
                                                          ------------    -----------
Net cash provided by financing activities .............     11,298,457     13,158,756
                                                          ------------    -----------

Increase in cash ......................................      6,764,994      2,893,049

Cash at beginning of period ...........................      3,781,801      4,265,909
                                                          ------------    -----------
Cash at end of period .................................     10,546,795      7,158,958
                                                          ------------    -----------
Supplemental disclosure of cash flow information:
  Cash paid for:
    Interest ..........................................   $  2,961,635     $2,452,754
    Income taxes, net of refunds ......................   $    398,202     $  175,664
Non-cash investing and financing:
  Dividends declared and payable ......................   $    122,459     $  103,123
  Transfer of investment and mortgage-backed securities
    from held-to-maturity to available-for-sale .......   $ 19,951,798     $        0
</TABLE>

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  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
     six month period ended September 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 1997 per share data has been restated to
     reflect the adoption of SFAS No. 128, "Earnings per Share".

     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
                                          --------------------------   ------------------------
                                                1998       1997             1998       1997
                                              -------    -------          -------    -------
<S>                                           <C>        <C>              <C>        <C>    
Basic weighted average shares ...........     761,216    795,680          762,352    795,680
Common stock equivalents/stock options ..      30,716     27,629           34,134     22,687
                                              -------    -------          -------    -------
Diluted weighted average shares .........     791,932    823,309          796,486    818,367
                                              =======    =======          =======    =======
</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.

<TABLE>
<CAPTION>
                                          For the three months ended   For the six months ended
                                                 September 30                September 30
                                          --------------------------   ------------------------
                                               1998        1997            1998        1997
                                             --------    --------        --------    --------
<S>                                          <C>         <C>             <C>         <C>    
Net income ..............................    $244,000    $178,000        $430,000    $408,000
Change in unrealized security loss, net .      64,000      44,000          97,000      66,000
                                             --------    --------        --------    --------
Comprehensive income ....................    $308,000    $222,000        $527,000    $474,000
                                             ========    ========        ========    ========
</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 (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  $132,996,549 as of September
30,  1998,  as  compared  to  $121,092,104  on March 31,  1998,  an  increase of
$11,904,445.  An increase in deposits of $1,882,434  and an increase in advances
from the  Federal  Home Loan  Bank of Des  Moines  in the  amount of  $9,500,000
primarily funded the increase.

The 9.8% increase in total assets for the six months ended September 30, 1998 is
in  accordance  with 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  $67,277,905  on September  30, 1998 from
$61,273,984  on March 31,  1998,  an  increase  of  $6,003,921.  Mortgage-backed
securities  decreased  $1,688,951 to  $17,326,285  on September  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  to improve the overall  yield on interest
earning assets.

Cash, interest bearing deposits and investment  securities  increased $6,877,901
from  $36,437,811  on March 31, 1998, to  $43,315,712 on September 30, 1998. The
increase  was  primarily  funded by an  increase  in savings  deposits  and FHLB
advances.

Deposits  totaled  $78,766,896  on September 30, 1998, an increase of $1,882,434
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.

                                       7

<PAGE>

Stockholders'  equity  was  $13,690,241  at  September  30,  1998,  compared  to
$13,477,572 at March 31, 1998. The small change in stockholders'  equity was the
result of net retained  earnings,  which was partially  offset by a reduction in
deferred recognition and retirement plan,  unrealized loss on available-for-sale
securities,  net and the  acquisition  of 7,168  shares of treasury  stock at an
aggregate purchase price of $136,192 or $19.00 per share.


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

Net earnings for the Company's  quarter  ended  September 30, 1998 were $244,111
compared  to  $177,701  for the  comparable  quarter in 1997.  The  increase  in
earnings was due to an increase in total non-interest  income,  primarily due to
increased service charges and gains on sales of investments and  mortgage-backed
securities,  which were  partially  offset by an increase in total  non-interest
expense.

Basic earnings per share for the quarter ended September 30, 1998 were $0.32 per
share while diluted earnings per share were $0.31. Basic earnings per share were
calculated based on 761,216 average shares  outstanding and diluted earnings per
share were  calculated  based on 791,732 average shares  outstanding.  Basic and
diluted  earnings per share for the comparable  quarter ended September 30, 1997
were $0.22.  Basic earnings per share were  calculated  based on 795,680 average
shares  outstanding  and diluted  earnings  per share were  calculated  based on
823,309 average shares outstanding.

Net  interest  income  after  provision  for loan losses for the  quarter  ended
September  30, 1998 was  $745,546  compared to  $740,608  for the quarter  ended
September  30,  1997,  an  increase  of $4,938.  This  increase  was a result of
interest  income  increasing  $248,001 from  $2,042,768 in 1997 to $2,290,769 in
1998 while  interest  expense  increased  $242,440  from  $1,286,583  in 1997 to
$1,529,023 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 $79,262 for the quarter ended September 30,
1997 to $254,816 for the quarter ended September 30, 1998. Service charge income
increased  by  $60,799  and  gains  realized  on the  sale  of  investments  and
mortgage-backed securities increased by $113,053.

The Company's non-interest expense for the three months ended September 30, 1998
was  $618,665  compared  to $538,312  for the  comparable  quarter in 1997.  The
increase was due to higher  occupancy and equipment  expense and data processing
expense  related  to the  opening of the new branch  office in  Richmond.  Other
non-interest expense increased from $133,082 for the quarter ended September 30,
1997 to $164,271 for the quarter  ended  September  30,  1998.  The increase was
primarily  due to  marketing  expenses  related to the Bank's  high  performance
checking account program in an attempt to increase checking accounts.

Net earnings for the six months ended September 30, 1998, were $429,749 compared
to $408,417 for the six months ended September 30, 1997, an increase of $21,332.
The increase is related to net interest  income after provision for loan losses,
an increase of  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, 1998 was $1,517,132 compared to $1,447,718 for the six month
period ended September 30, 1997, an increase of $69,414. The increase was due to
an increase in interest earning assets.

Non-interest  income for the six months ended  September 30, 1998,  was $384,491
compared to $193,065  for the six month  period a year  earlier,  an increase of
$191,426. The increase was due to an increase in service charge income and gains
on the sale of investments and mortgage-backed securities.

The Company's  non-interest  expense for the six months ended September 30, 1998
was  $1,232,095,  compared to $993,297 for the six month period ended  September
30,  1997,  an  increase of  $238,798.  The  increase  was due to an increase in
compensation  and benefits,  occupancy and equipment  expense,  data  processing
expense and other non-interest expense primarily related to the opening of a new
branch office in Richmond,  Missouri,  on March 30, 1998, and marketing expenses
related to the Bank's high performance checking account program.

Income tax expense for the six months ended  September  30,  1998,  was $239,779
compared to $239,069  for the similar  period in 1997.  The  increase was due to
slightly higher earnings before taxes in 1998.

                                       8

<PAGE>

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, 1998,  was $16,200 and for
the six months ended September 30, 1998, was $31,200. 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.


NON-PERFORMING ASSETS
---------------------

On September 30, 1998,  non-performing assets were $193,530 compared to $231,577
on March 31, 1998. On September 30, 1998,  the Bank's  allowance for loan losses
was $278,910,  or 144% 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 .41% of total loans as of September 30, 1998
compared to .40% at March 31, 1998.


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

The Bank is subject to three capital to asset  requirements  in accordance  with
Office of Thrift Supervision (OTS) regulations. The following table is a summary
of the  Bank's  regulatory  capital  requirements  versus  actual  capital as of
September 30, 1998.

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

Tangible Equity ............  $11,906/09.05%     $2,631/2.00%     $9,275/07.05%

Core Leverage Capital ......  $11,906/09.05%     $5,262/4.00%     $6,644/05.05%

Risk-based Capital .........  $12,185/25.20%     $3,869/8.00%     $8,316/17.20%


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 September  30, 1998 was
49.45%.

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, 1998 and 1997 were
$10,546,795 and $7,158,958,  respectively.  The increase was primarily due to an
increase from the sale of investment  securities partially offset by a reduction
in deposit flows.

                                       9

<PAGE>

Net cash provided by financing activities decreased from $13,158,756 for the six
months ended September 30, 1997 compared to $11,298,457 for the six months ended
September  30,  1998.  The  decrease  was  primarily  due to a reduction  in net
increase  in  savings  deposits  of $3.8  million,  reduced  proceeds  from FHLB
advances in the amount of $1.5  million,  offset by a $4.5 million  reduction in
repayments of FHLB advances.


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

The Financial  Accounting Standards Board (FASB) issued SFAS No. 133, Accounting
for Derivative  Instruments and Hedging  Activities,  in June 1998. SFAS No. 133
establishes  accounting  and  reporting  standards for  derivative  instruments,
including certain derivative  instruments  embedded in other contracts,  and for
hedging  activities.  It requires that an entity  recognize all  derivatives  as
either assets or liabilities in the statement of financial  position and measure
those  instruments  at fair value.  This  statement is effective  for all fiscal
quarters of fiscal years beginning after June 15, 1999,  however,  in accordance
with the  provision  of the  statement,  the  Company  has  chosen  to apply the
provisions  of the  statement  as of  July  1,  1998.  At the  date  of  initial
application,  the Company transferred all of its held-to-maturity  securities to
the available-for-sale  category.  Accordingly,  all unrealized holding gains or
losses at the date of  transfer  were  recognized  in a  separate  component  of
stockholders' equity and other comprehensive income.


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

The Company utilizes and is dependent upon data processing  systems and software
to conduct its business.  The data processing systems and software include those
developed and maintained by the Company's data processor and purchased  software
which is run on in-house  computer  networks.  In 1997 the  Company  initiated a
review and  assessment  of all  hardware  and  software to confirm  that it will
function properly in the year 2000.

The Company's  data  processor  has  announced  the  completion of all mainframe
application  and personal  computer  based  enhancements  required for Year 2000
processing  and for  testing.  The Company will verify the results of testing in
the  quarter  ending  December  31,  1998.  The Company  has  incurred  costs of
approximately $7,000 for testing to date and anticipates only minimal additional
costs.  The data processor will conduct  terminal/network  connectivity  testing
with the  Company  in the  first  quarter  of 1999.  The  Company  has  recently
purchased  Year 2000 compliant  personal  computers for the teller system in the
current  year  at  a  cost  of  approximately   $75,000.   Additional  costs  of
approximately  $7,000 are  anticipated  to complete  the system.  The  equipment
replaced  obsolete teller  equipment.  The Company estimates the total remaining
costs to ensure Year 2000 compliance to be approximately $10,000.

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

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

                                       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 23,  1998,  the  annual  meeting of  stockholders  was held at
          Hardin  Federal  Savings  Bank,  located at 200 North  Spartan  Drive,
          Richmond, 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 three  directors  of the Company for three year
               terms.  David K. Hatfield  received  726,572 votes for and 10,263
               votes were withheld. William L. Homan received 727,222 votes for,
               and 9,613 votes were withheld.  W. Levan Thurman received 726,572
               votes for, and 10,263 votes were withheld.

          2.   The  ratification  of the appointment of KPMG Peat Marwick LLP as
               the  auditors of the Company for the fiscal year ending March 31,
               1999. Votes for KPMG Peat Marwick LLP were 712,066, votes against
               were 4,569 and votes abstaining were 5,200.


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

          On September 17, 1998, the Company's Board of Directors authorized the
          purchase of 81,639 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, 1998, the Company held 241,608 shares of it common
          stock as treasury stock at an aggregate purchase price of $3,373,339.

          On September 17, 1998 the Board of Directors declared a $.15 per share
          cash  dividend  to all  stockholders  of record on  October  2,  1998,
          payable on October 16, 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 16, 1998                /s/  Robert W. King
       -----------------                     -----------------------------------
                                             Robert W. King, President and Chief
                                             Executive Officer (Duly Authorized
                                             Officer)



Date:  November 16, 1998                /s/  Karen K. Blankenship
       -----------------                     -----------------------------------
                                             Karen K. Blankenship, Senior Vice
                                             President and Secretary (Principal
                                             Accounting Officer)


                                       12