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, 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 June 30, 1997
---------------------------------------- ---------------------------------------
      Common stock, .01 par value                        859,360

<PAGE>

                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                                    CONTENTS


                                                                            Page
                                                                            ----
PART I    FINANCIAL INFORMATION

Item 1.   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
                           June 30, and March 31, 1997

                                                   (Unaudited)
                                                     June 30         March 31
                                                   -----------       --------

      Assets
      ------
Cash                                              $    389,029     $    258,745
Interest bearing deposits                            8,690,961        4,007,164
Investment securities available-for-sale            21,543,922       22,340,420
Mortgage-backed securities:
  Held-to-maturity                                  13,065,606       13,456,912
  Available-for-sale                                 5,512,918        5,757,213
Loans receivable, net                               55,728,219       54,567,570
Accrued interest receivable:
  Investment securities                                191,547          309,223
  Mortgage-backed securities                           140,079          144,271
  Loans receivable                                     356,399          329,200
Real estate owned                                            0          103,410
Premises and equipment                                 863,250          850,210
Stock in Federal Home Loan Bank (FHLB) of
  Des Moines at cost                                 1,200,000          950,000
Deferred income taxes receivable                       109,667           43,000
Prepaid expenses and other assets                      226,076          236,410
                                                  ------------     ------------
      Total assets                                $108,017,673     $103,353,748
                                                  ============     ============

      Liabilities and Stockholders' Equity
      ------------------------------------
Liabilities:
  Deposits                                        $ 74,165,984     $ 70,200,857
  Advances from borrowers for taxes and insurance      393,627          275,440
  Advances from FHLB                                19,000,000       19,000,000
  Accrued interest payable                              79,509           55,251
  Current income taxes payable                         355,945          137,164
  Accrued expenses and other liabilities               546,716          475,310
                                                  ------------     ------------
      Total liabilities                             94,541,781       90,144,022

Stockholders' equity:
  Serial preferred stock, $.01 par value;
    500,000 shares authorized, none issued
    or outstanding                                           0                0
  Common stock, $.01 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                                  7,129,913        6,994,680
  Unrealized loss on available-for-sale
    securities, net                                   (124,836)        (234,597)
  Unearned employee stock ownership plan              (636,800)        (636,800)
  Deferred recognition and retention plan             (392,292)        (413,464)
  Treasury stock (198,640 shares at cost)           (2,595,402)      (2,595,402)
                                                  ------------     ------------
      Total stockholders' equity                    13,475,892       13,209,726
                                                  ------------     ------------
      Total liabilities and stockholders' equity  $108,017,673     $103,353,748
                                                  ============     ============
                                                  
                                       1

<PAGE>

                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                       Consolidated Statements of Earnings
                           For The Three Months Ended
                             June 30, 1997 and 1996
                                   (Unaudited)


                                                      1997              1996
                                                      ----              ----
Interest income:
  Loans receivable                                  $1,152,107        $  947,561
  Mortgage-backed securities                           313,385           367,865
  Investment securities                                395,622           197,029
  Other                                                 93,517            60,065
                                                        ------            ------
    Total interest income                            1,954,631         1,572,520
                                                     ---------         ---------

Interest expense:
  Deposits                                             916,570           829,107
  FHLB advances                                        291,951            68,288
                                                       -------            ------
    Total interest expense                           1,208,521           897,395
                                                     ---------           -------

    Net interest income                                746,110           675,125

Provision for loan losses                               39,000             7,500
                                                        ------             -----
    Net interest income after provision for
      losses                                           707,110           667,625
                                                       -------           -------

Non-interest income:
  Service charges                                       24,632            20,565
  Loan servicing fees                                    8,153             9,613
  Gain on sale of loans held for sale                    2,484                 0
  Gain on sale of real estate owned                      4,105                 0
  Gain on sale of investments and mortgage-
    backed securities                                   44,431                 0
  Other income                                          29,998            62,327
                                                        ------            ------
    Total non-interest income                          113,803            92,505
                                                       -------            ------

Non-interest expense
  Compensation and benefits                            251,631           231,026
  Occupancy and equipment                               29,647            25,886
  Federal insurance premiums                            11,013            37,771
  Data processing                                       23,787            22,332
  Real estate owned                                      1,043                 0
  Other                                                137,864           133,021
                                                       -------           -------
    Total non-interest expense                         454,985           450,036
                                                       -------           -------

    Earnings before income taxes                       365,928           310,094
  Income tax expense                                   135,212           114,818
                                                       -------           -------
    Net earnings                                    $  230,716        $  195,276
                                                    ==========        ==========

Net earnings per common share:
  Primary and fully diluted                         $     0.28        $     0.20
                                                    ==========        ==========
Weighted average common and common equivalent
  shares outstanding                                   812,574           972,301
                                                    ==========        ==========


                                       2

<PAGE>

                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                 Consolidated Statement of Stockholders' Equity
                    For The Three Months Ended June 30, 1997
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                 Unrealized       Unearned
                                       Additional                   Loss          Employee                               Total
                               Common   Paid-in     Retained         on             Stock       Deferred  Treasury    Stockholders'
                                Stock   Capital     Earnings   Securities, net  Ownership 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    230,716           0                0            0           0       230,716
Change in unrealized loss on
  available-for-sale
  securities, net of tax             0           0          0     109,761                0            0           0       109,761

Amortization of RRP                  0           0          0           0                0       21,172           0        21,172

Dividends declared ($.12
  per share)                         0           0    (95,483)          0                0            0           0       (95,483)
                               -------  ----------   ---------   --------         --------     --------  ----------    ----------
Balance at June 30, 1997       $10,580  10,084,729   7,129,913   (124,836)        (636,800)    (392,292) (2,595,402)   13,475,892
                               =======  ==========   =========   ========         ========     ========  ==========    ==========
</TABLE>





                                        3

<PAGE>

                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                      Consolidated Statements of Cash Flows
                    Three Months Ended June 30, 1997 and 1996
                                   (Unaudited)

                                                        1997             1996
                                                        ----             ----
Operating activities:
Net earnings                                         $   230,716        195,276
Adjustments to reconcile net earnings
  to net cash provided by operating activities:
   Provision for losses on loans                          39,000          7,500
   Depreciation                                           16,327         12,263
   Premium accretion and amortization of
     discounts and deferred loan fees, net                15,586         23,863
   (Gain)/loss on real estate owned                       (4,105)             0
   Amortization of deferred Recognition and
     Retention Plan (RRP)                                 21,172         21,171
   Changes in assets and liabilities:
     Interest receivable                                  94,669        (73,524)
     Other assets                                         10,334         11,322
     Accrued interest payable                             24,258         10,095
     Accrued expense and other liabilities                61,859         48,615
     Income taxes payable                                 87,668        114,818
                                                          ------        -------
Net cash provided by operating activities                597,484        371,399
                                                         -------        -------

Investing activities:
   Net increase in loans receivable                   (1,196,332)    (1,753,741)
   Purchase of loans receivable                                0       (396,238)
   Principal payments on mortgage-backed securities:
     Available-for-sale                                  254,883        305,910
     Held-to-maturity                                    382,436      1,049,407
   Purchase of investment securities available-
     for-sale                                         (3,148,453)    (7,499,531)
   Proceeds from maturities of investment securities
     available-for-sale                                4,000,000      1,500,000
   Proceeds from sales of investment securities           98,537              0
   Purchase of stock in FHLB of Des Moines              (250,000)             0
   Purchase of office premises and equipment             (29,367)       (35,527)
   Proceeds from sales of real estate owned              107,515              0
                                                         -------     -----------
Net cash used in investing activities                    219,219     (6,829,720)
                                                         -------     ---------- 

Financing activities:
   Net increase (decrease)in deposits                  3,965,127       (514,391)
   Proceeds from FHLB advances                        10,000,000      5,000,000
   Repayments of FHLB advances                       (10,000,000)             0
   Net increase in advances from borrowers for
     taxes and insurance                                 118,187        119,712
   Payment of dividends                                  (85,936)      (105,800)
   Purchase of treasury stock                                  0     (1,034,665)
                                                       ---------      ---------
Net cash provided by financing activities              3,997,378      3,464,856
                                                       ---------      ---------

Increase/(decrease) in cash                            4,814,081     (2,993,465)

Cash at beginning of period                            4,265,909      5,683,953
                                                       ---------      ---------
Cash at end of period                               $  9,079,990      2,690,488
                                                    ============      =========



                                        4

<PAGE>


                     HARDIN BANCORP, INC. AND SUBSIDIARIES

               Consolidated Statements of Cash Flows, (continued)
                    Three Months Ended June 30, 1997 and 1996
                                   (Unaudited)

                                                        1997              1996
                                                        ----              ----
Supplemental disclosure of cash flow information:
   Cash paid for:
     Interest                                      $  1,184,263         887,300
     Income taxes, net of refunds                  $     47,544               0
Noncash investing and financing:
   Allocation of treasury stock to RRP             $          0         498,150
   Dividends declared and payable                  $     95,483         100,511






                                        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 month period ended
          June 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 three month period ended June 30,
          1997 are based upon shares outstanding at June 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  presently  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. Due to the SAIF reaching its
statutory  reserve ratio on September 30, 1996, the Bank anticipates a reduction
in the premium schedule which will reduce the Bank's federal  insurance  premium
for future periods.


FINANCIAL CONDITION
-------------------

Consolidated  assets of Hardin  Bancorp,  Inc. were  $108,017,673 as of June 30,
1997, compared to $103,353,748 on March 31, 1997, an increase of $4,663,925. The
increase was primarily funded by an increase in deposits of $3,965,127.

The 4.5%  growth  rate of  assets  for the  quarter  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  $55,728,219  on  June  30,  1997,  from
$54,567,570  on March 31,  1997,  an  increase  of  $1,160,649.  Mortgage-backed
securities  decreased $635,601 to $18,578,524 at June 30, 1997, from $19,214,125
on March 31, 1997. 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 $4,017,583
from  $26,606,329  on March 31,  1997,  to  $30,623,912  on June 30,  1997.  The
increase was primarily funded by an increase in savings deposits.

                                       7


<PAGE>

Deposits  totaled  $74,165,984 on June 30, 1997, an increase of $3,965,127  from
$70,200,857  on March 31, 1997.  The increase in deposits is primarily  due to a
successful special certificate of deposit promotion.

Stockholders'  equity was $13,475,892 on June 30, 1997,  compared to $13,209,726
on March 31, 1997,  an increase of $266,166.  The increase was due to reductions
in unrealized loss on  available-for-sale  securities of $109,761, a decrease in
deferred  recognition and retention plan in the amount of $21,172,  earnings for
the quarter of $230,716,  off-set by the  Company's  quarterly  cash dividend of
$95,483.


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

Net earnings for the Company's  first fiscal  quarter ended June 30, 1997,  were
$230,716  compared to $195,276 for the comparable  quarter in 1996. The increase
was due to an increase in net interest  income after  provision for loan losses,
and  gains  realized  on  the  sale  of  fixed  rate  loans,   investments   and
mortgage-backed securities and real estate owned.

Earnings  per share for the quarter  ended June 30,  1997,  were $0.28 per share
based on an average of 812,574  shares  outstanding  compared to $0.20 per share
for the  comparable  quarter  in 1996  based on an  average  of  972,301  shares
outstanding.

Net interest  income after  provision for loan losses for the quarter ended June
30, 1997, was $707,110 compared to $667,625 for the quarter ended June 30, 1996,
an increase of $39,485. This increase was a result of interest income increasing
$382,111 from $1,572,520 in 1996 to $1,954,631 in 1997,  while interest  expense
increased  $311,126 from $897,395 in 1996 to $1,208,521 in 1997. The increase 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 $92,505 for the quarter ended June 30, 1996,
to $113,803 for the quarter ended June 30, 1997.  The increase was due to higher
service  charge  income and gains  realized  on the sale of loans,  investments,
mortgage-backed  securities and real estate owned. Other income decreased due to
the sale of the Bank's  Data  Processing  Center  which  paid a bonus  patronage
dividend in the quarter ended June 30, 1996.

The Company's  non-interest expense for the three months ended June 30, 1997 was
$454,985  compared to $450,036 for the  comparable  quarter in 1996.  The slight
increase  was due to  higher  compensation  and  benefits  expense,  and  higher
occupancy  and equipment  expense which was partially  off-set by a reduction in
federal insurance premiums.


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,  1997,  was $39,000.  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.


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

On June 30, 1997,  non-performing  assets were $167,519  compared to $379,990 on
March 31,  1997.  At June 30,  1997,  the Bank's  allowance  for loan losses was
$197,115, or 118% of non-performing assets compared to $158,000, or 42% at March
31, 1997.

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

The  allowance  for loan  losses  was .35% of total  loans as of June 30,  1997,
compared to .29% at March 31, 1997.

                                       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, 1997:


CAPITAL REQUIREMENTS:

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

Tangible Capital            $11,406/10.73%      $1,596/1.50%       $9,810/9.23%

Core Leverage Capital       $11,406/10.73%      $3,191/3.00%       $8,215/7.73%

Risk-Based Capital          $11,600/27.53%      $3,371/8.00%       $8,229/19.53%


LIQUIDITY
---------

The Bank's principal sources of funds are deposits, FHLB advances, principal and
interest  payments on loans, the maturity of investment  securities and interest
income.  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.

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 June 30, 1997 was 10.02%.

In light of the  competition  for  deposits,  the Bank may  utilize  the funding
sources of the FHLB of Des  Moines 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,  1997 and 1996 were
$9,079,990 and  $2,690,488,  respectively.  The increase was primarily due to an
increase in cash provided by financing  activities,  primarily a net increase in
deposits.

Net cash provided by operating  activities increased from $371,399 for the three
months ended June 30, 1996 to $597,484 for the three months ended June 30, 1997.
The increase was due to improved net earnings, 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
-------------------

Recently enacted  legislation  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 by no
later than January 1, 1998 in one bill and June 30, 1998 in the other, 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
          ---------------------------------------------------

          None.


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

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


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: August 14, 1997                    Robert W. King
      ---------------                    -----------------------------------
                                         Robert W. King, President and Chief
                                         Executive Officer (Duly Authorized
                                         Officer)


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

  
                                     12