SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                   FORM 10-QSB


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

        For the quarterly period ended June 30, 1999

                                                         OR

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

        For the transition period from                  to

                         Commission File Number 0-26560

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


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


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



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


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

                       Yes  [ X ]         No  [   ]

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

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

<PAGE>




                      HARDIN BANCORP, INC. AND SUBSIDIARIES

                                    CONTENTS


               PART I

               FINANCIAL INFORMATION

               Item 1.

               Unaudited Financial Statements ............................  Page

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

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

                   Consolidated Statements of Stockholders' Equity........     3

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

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

               Item 2.

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

               PART II

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

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



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

                                                                   June 30, 1999      March 31, 1999
                                                                   --------------     ---------------
                                                                     (Unaudited)
                                     Assets
<S>                                                                 <C>                <C>
Cash                                                                $   1,110,276      $     838,044
Interest bearing deposits                                               2,651,920          4,156,648
Investment securities available-for-sale                               40,575,529         44,519,193
Mortgage-backed securities available-for-sale                          11,270,448         12,584,419
Loans receivable, net                                                  72,744,634         69,504,900
Accrued interest receivable:
     Investment securities                                                456,631            501,114
     Mortgage-backed securities                                            81,834             91,008
     Loans receivable                                                     495,450            456,003
Premises and equipment                                                  1,834,535          1,832,311
Stock in Federal Home Loan Bank (FHLB) of Des Moines, at cost           2,000,000          2,000,000
Deferred income taxes receivable                                          507,220            188,000
Prepaid expenses and other assets                                         379,464            384,481
                                                                    =============      =============
Total assets                                                        $ 134,107,941      $ 137,056,121
                                                                    =============      =============

                      Liabilities and Stockholders' Equity
Liabilities:
     Deposits                                                       $  85,180,868      $  83,326,871
     Advances from borrowers for property taxes and insurance             461,811            294,424
     Advances from FHLB                                                35,000,000         40,000,000
     Accrued interest payable                                              39,930             40,949
     Income taxes payable:
         Current                                                          298,358            159,367
         Deferred                                                              --                 --
     Accrued expenses and other liabilities                               966,155            674,969
                                                                    -------------      -------------
Total liabilities                                                     121,947,122        124,496,580
                                                                    -------------      -------------
Stockholders' equity:
     Common stock, $.01 par value; 3,500,000 shares authorized,            10,580             10,580
         1,058,000 shares issued
     Serial preferred stock, $.01 par value;
         500,000 shares authorized, none issued or outstanding                 --                 --
     Additional paid in capital                                        10,252,604         10,252,604
     Retained earnings                                                  8,219,886          8,097,420
     Accumulated other comprehensive loss                                (937,575)          (394,038)
     Unearned employee benefits                                          (621,046)          (643,395)
     Treasury stock (323,247 shares at cost)                           (4,763,630)        (4,763,630)
                                                                    -------------      -------------
Total stockholders' equity                                             12,160,819         12,559,541

                                                                    =============      =============
Total liabilities and stockholders' equity                          $ 134,107,941      $ 137,056,121
                                                                    =============      =============
</TABLE>
See accompanying notes to unaudited consolidated financial statements.

                                                -1-
<PAGE>
<TABLE>
<CAPTION>
                                Hardin Bancorp, Inc. and Subsidiaries
                                 Consolidated Statements of Earnings
                                     For the Three Months Ended
                                       June 30, 1999 and 1998
                                             (Unaudited)

                                                                             1999            1998
                                                                          ----------      ----------
<S>                                                                       <C>             <C>
Interest income:
     Loans receivable                                                     $1,430,390      $1,307,251
     Mortgage-backed securities                                              169,021         283,477
     Investment securities                                                   674,607         569,461
     Other                                                                    61,770          64,656
                                                                          ----------      ----------
           Total interest income                                           2,335,788       2,224,845
                                                                          ----------      ----------

Interest expense:
     Deposits                                                                944,336         980,205
     FHLB advances                                                           477,435         458,054
                                                                          ----------      ----------
           Total interest expense                                          1,421,771       1,438,259
                                                                          ----------      ----------

           Net interest income                                               914,017         786,586

Provision for loan losses                                                      1,297          15,000
                                                                          ----------      ----------

           Net interest income after provision for loan losses               912,720         771,586
                                                                          ----------      ----------

Non-interest income:
     Service charges                                                         132,975          77,103
     Loan servicing fees                                                       7,072           7,979
     Gain on sale of loans held for sale                                          --          14,998
     Gain on sale of investments and mortgage-backed securities                7,164          12,602
     Other                                                                    39,432          17,393
                                                                          ----------      ----------
           Total non-interest income                                         186,643         130,075
                                                                          ----------      ----------
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
                                Hardin Bancorp, Inc. and Subsidiaries
                                 Consolidated Statements of Earnings
                                     For the Three Months Ended
                                       June 30, 1999 and 1998
                                             (Unaudited)
                                             (continued)

                                                                             1999            1998
                                                                          ----------      ----------
<S>                                                                       <C>             <C>
Non-interest expense:
     Compensation and benefits                                               340,141         325,723
     Occupancy and equipment                                                  66,305          57,236
     Federal insurance premiums                                               11,940          11,942
     Data processing                                                          49,954          34,996
     Other                                                                   212,616         183,533
                                                                          ----------      ----------
           Total non-interest expense                                        680,956         613,430
                                                                          ----------      ----------

           Earnings before income taxes                                      418,407         288,231

Income tax expense                                                           148,990         102,593
                                                                          ----------      ----------

           Net earnings                                                   $  269,417      $  185,638
                                                                          ==========      ==========

Net earnings per share:
     Basic                                                                $     0.39      $     0.24
     Diluted                                                                    0.38            0.23
                                                                          ==========      ==========

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

                                       -2-
<PAGE>
<TABLE>
<CAPTION>
                                                Hardin Bancorp, Inc. and Subsidiaries
                                           Consolidated Statements of Stockholders' Equity
                                              For the Three Months Ended June 30, 1999
                                                             (Unaudited)


                                                                      Additional                                          Unearned
                                                       Common          Paid-in        Retained       Comprehensive        Employee
                                                        Stock          Capital        Earnings            Loss            Benefits
                                                     -----------     -----------     -----------      -----------      -----------
<S>                                                  <C>              <C>              <C>               <C>              <C>
Balance at  March 31, 1999                           $    10,580      10,252,604       8,097,420         (394,038)        (643,395)
Comprehensive income:
     Net earnings                                             --              --         269,417               --               --
     Change in net unrealized loss on securities
       available for sale, net of tax                         --              --              --         (543,537)              --
                                                     -----------     -----------     -----------      -----------      -----------
            Total comprehensive income (loss)                 --              --         269,417         (543,537)              --
                                                     -----------     -----------     -----------      -----------      -----------
Amortization of recognition and retention plan                --              --              --               --           22,349
Dividends declared ($.20 per share)                           --              --        (146,951)              --               --
                                                     ===========     ===========     ===========      ===========      ===========
Balance at June 30, 1999                             $    10,580      10,252,604       8,219,886         (937,575)        (621,046)
                                                     ===========     ===========     ===========      ===========      ===========
<CAPTION>

                                                                          Total
                                                       Treasury      Shareholders'
                                                         Stock           Equity
                                                     -----------      -----------
                                                      <C>              <C>
Balance at  March 31, 1999                            (4,763,630)      12,559,541
Comprehensive income:
     Net earnings                                             --          269,417
     Change in net unrealized loss on securities
       available for sale, net of tax                         --         (543,537)
                                                     -----------      -----------
            Total comprehensive income (loss)                 --         (274,120)
                                                     -----------      -----------
Amortization of recognition and retention plan                --           22,349
Dividends declared ($.20 per share)                           --         (146,951)
                                                     ===========      ===========
Balance at June 30, 1999                              (4,763,630)      12,160,819
                                                     ===========      ===========

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


                                      -3-
<PAGE>
<TABLE>
<CAPTION>
                                Hardin Bancorp, Inc. and Subsidiaries
                                Consolidated Statements of Cash Flows
                                 For the Three Months Ended June 30
                                             (Unaudited)

                                                                            1999             1998
                                                                        -----------      -----------
<S>                                                                     <C>                  <C>
Operating Activities:
Net Earnings                                                            $   269,417          185,638
Adjustments to reconcile net earnings
     to net cash provided by operating activities:
        Provision for losses on loans                                         1,297           15,000
        Depreciation                                                         35,586           32,813
        Premium accretion and amortization
          of discounts and deferred loan fees, net                           16,205         (162,154)
        Net gain on sale of loans and investment and
          mortgage-backed securities                                         (7,163)         (27,600)
        Origination of loans held for sale                                       --         (842,830)
        Amortization of deferred Recognition
          and Retention Plan (RRP)                                           22,349           22,937
        Changes in asset and liabilities:
             Interest receivable                                             14,210         (136,793)
             Other assets                                                     5,017          (69,886)
             Accrued interest payable                                        (1,019)          10,251
             Accrued expense and other liabilities                          276,491           54,597
             Income taxes payable                                           138,991         (132,409)
                                                                        -----------      -----------
Net cash provided by (used in) operating activities                         771,381       (1,050,436)
                                                                        -----------      -----------

Investing Activities:
        Net increase in loans receivable                                 (3,243,821)      (4,270,943)
        Proceeds from sales of loans                                             --          862,450
        Principal payments on mortgage-backed & related securities:
          Available-for-sale                                              3,020,060          393,686
          Held-to-maturity                                                       --          588,226
        Proceeds from sales of available-for-sale
          mortgage-backed securities                                        363,166               --
        Purchase of available-for-sale investment securities                     --      (13,942,348)
        Proceeds from maturities of available-for-sale
          investment securities                                                  --        6,000,000
        Proceeds from sales of available for sale
          investment securities                                           1,005,400          816,833
        Purchase of stock in FHLB of Des Moines                                  --         (500,000)
        Purchase of office properties and equipment                         (37,810)        (172,976)
                                                                        -----------      -----------
Net cash provided by (used in) investing activities                     $ 1,106,995      (10,225,072)
                                                                        -----------      -----------
</TABLE>

                                      -4-
<PAGE>
<TABLE>
<CAPTION>
                                Hardin Bancorp, Inc. and Subsidiaries
                                Consolidated Statements of Cash Flows
                                 For the Three Months Ended June 30,
                                             (Unaudited)


                                                                          1999              1998
                                                                     ------------      ------------
<S>                                                                  <C>                  <C>
Financing Activities:
        Net increase in savings deposits                             $  1,853,997         2,122,565
        Proceeds from FHLB advances                                     6,000,000        10,000,000
        Repayments of FHLB advances                                   (11,000,000)               --
        Net decrease in advances from borrowers for
          taxes and insurance                                             167,387           162,139
        Payment of dividends                                             (132,256)         (107,063)
        Purchase of treasury stock                                             --          (136,192)
                                                                     ------------      ------------
Net cash (used in) provided by financing activities                    (3,110,872)       12,041,449
                                                                     ------------      ------------

(Decrease) increase in cash                                            (1,232,496)          765,941

Cash and equivalents at beginning of period                             4,994,692         3,781,801
                                                                     ------------      ------------
Cash and equivalents at end of period                                $  3,762,196         4,547,742
                                                                     ============      ============

Supplemental disclosure of cash flow information: Cash paid for:
          Interest                                                   $  1,422,790         1,428,008
          Income taxes, net of refunds                               $      9,999           235,002
Non-cash investing and financing:
        Dividends declared and payable                               $    146,951           114,295

</TABLE>

See accompanying notes to unaudited consolidated financial statements.



                                      -5-
<PAGE>
                      HARDIN BANCORP, INC. AND SUBSIDIARIES
                   Notes to Consolidated Financial Statements
                                   (Unaudited)


(1)   Basis of Presentation

         The accompanying  unaudited consolidated financial statements of Hardin
         Bancorp,  Inc. and  subsidiaries  have been prepared in accordance with
         instructions  for Form  10-QSB.  To the  extent  that  information  and
         footnotes  required by generally  accepted  accounting  principles  for
         complete  financial  statements are contained in the audited  financial
         statements  included in the Company's  Annual Report for the year ended
         March 31, 1999, such information and footnotes have not been duplicated
         herein. In the opinion of management, all adjustments,  consisting only
         of  normal  recurring  accruals,  which  are  necessary  for  the  fair
         presentation  of the interim  financial  statements have been included.
         The  statement  of earnings for the  three-month  period ended June 30,
         1999 is not necessarily indicative of the results which may be expected
         for the entire year. The March 31, 1999 consolidated  balance sheet has
         been derived from the audited  consolidated  financial statements as of
         that date.

(2) Earnings Per Share

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

         The shares used in the  calculation  of basic and diluted  earnings per
         share are shown below:
<TABLE>
<CAPTION>
                                                  For the three months ended
                                                           June 30,
                                                    1999               1998
                                                ------------      -------------
<S>                                             <C>                <C>
Basic weighted average shares                       690,886            763,500
Common stock equivalents/stock options               26,912             36,722
                                                ------------      -------------
Diluted weighted average shares                     717,798            800,222
                                                ============      =============
</TABLE>
(3)  Comprehensive Income

         On  April  1,  1998  the  Company  adopted  SFAS  No.  130,  "Reporting
         Comprehensive  Income" which  requires the  reporting of  comprehensive
         income  and its  components.  Comprehensive  income is  defined  as the
         change in equity from  transactions and other events and  circumstances
         from non-owner sources and excludes investments by and distributions to
         owners.  Comprehensive  income  includes  net income and other items of
         comprehensive  income  meeting the above  criteria.  The Company's only
         component of other comprehensive income is the unrealized holding gains
         and losses on available-for-sale securities.
<PAGE>
<TABLE>
<CAPTION>
                                                      For the three months ended
                                                                June 30,
                                                          1999            1998
                                                       --------        --------
<S>                                                    <C>             <C>
Unrealized holding gains (losses)                      (855,594)         60,488
Less: reclassification adjustment
         for gains included in net income                 7,164          12,602
                                                       --------        --------
Net unrealized gains (losses) on securities            (862,758)         47,886
Income tax (expense) benefit                            319,221         (19,071)
                                                       --------        --------
                                                       ========        ========
Other comprehensive income (loss)                      (543,537)        (28,815)
                                                       ========        ========
</TABLE>
                                      -6-

<PAGE>
                      HARDIN BANCORP, INC. AND SUBSIDIARIES

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

GENERAL
-------

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

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

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

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

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

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

Consolidated  assets of Hardin  Bancorp,  Inc. were  $134,107,941 as of June 30,
1999, as compared to $137,056,121,  on March 31, 1999, a decrease of $2,948,180.
The decrease was primarily due to a decrease in investment  and mortgage  backed
securities partially offset by an increase in loans.

Loans  receivable,   net,  increased  to  $72,744,634  on  June  30,  1999  from
$69,504,900  on March 31,  1999,  an  increase  of  $3,239,734.  Mortgage-backed
securities   decreased   $1,313,971  to  $11,270,448  on  June  30,  1999,  from
$12,584,419  on March 31, 1999. The decrease in  mortgage-backed  securities and
the increase in loans reflect the Bank's plan to increase the loan portfolio and
decrease mortgage-backed securities.
<PAGE>
Cash, interest bearing deposits and investment  securities  decreased $5,176,160
from  $49,513,885  on March 31,  1999,  to  $44,337,725  on June 30,  1999.  The
decrease was due to investment  funds being  utilized to repay FHLB advances and
originate mortgage and consumer loans.

Deposits  totaled  $85,180,868 on June 30, 1999, an increase of $1,853,997  from
$83,326,871  on March 31, 1999.  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 $12,160,819 on June 30, 1999,  compared to $12,559,541
on March 31, 1999. The small change in stockholders' equity was the result of an
increase in the unrealized loss on investment securities.

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

Net earnings for the  Company's  first fiscal  quarter  ended June 30, 1999 were
$269,417  compared to $185,638 for the comparable  quarter in 1998. The increase
was due to an increase in net interest  income after  provision  for loan losses
and an increase in total non-interest  income, which was partially offset, by an
increase in total non-interest expense.

Basic earnings per share for the quarter ended June 30, 1999 was $0.39 per share
while  diluted  earnings  per  share was  $0.38.  Basic  earnings  per share was
calculated based on 690,886 average shares  outstanding and diluted earnings per
share was calculated based on 717,798 average shares outstanding. Basic earnings
per share for the  comparable  quarter  ended June 30,  1998 was $0.24 per share
while  diluted  earnings  per  share was  $0.23.  Basic  earnings  per share was
calculated based on 763,500 average shares  outstanding and diluted earnings per
share was calculated based on 800,222 average shares outstanding.

Net interest income after provision for loan losses was $912,720 for the quarter
ended June 30, 1999 compared to $771,586 for the quarter ended June 30, 1998, an
increase  of  $141,134.  This  increase  was a result of total  interest  income
increasing  $110,943  from  $2,224,845 in 1998 to $2,335,788 in 1999 while total
interest  expense  decreased  $16,488 from  $1,438,259  in 1998 to $1,421,771 in
1999.  The  increase  in total  interest  income was due to an increase in total
interest-bearing  assets  while the  decrease  in total  interest  expense was a
result of a decrease in the average cost of deposits.

Total non-interest income increased from $130,075 for the quarter ended June 30,
1998 to $186,643 for the quarter ended June 30, 1999. The increase was primarily
due to higher  service  charge  income and other income from the Bank's  service
corporation.

The  Company's  total  non-interest  expense for the three months ended June 30,
1999 was $680,956  compared to $613,430 for the comparable  quarter in 1998. The
increase was primarily due to increases in  compensation  and benefits  expense,
occupancy and equipment expense,  data processing expense, and other expense due
to costs related to Year 2000 compliance issues.

PROVISION FOR LOAN LOSSES
-------------------------

For the  three  months  ended  June 30,  1999 the  Company  recorded  $1,297  in
provision  for loan  losses  in  accordance  with its  classification  of assets
policy.  The Company's loan portfolio  consists  primarily of one-to-four family
mortgage loans, and has experienced minimal charge-offs in the past two years.

At June 30, 1999, the Bank's allowance for loan losses was $308,155,  or 256% of
non-performing  assets  compared to  $311,196,  or 135% at March 31,  1999.  The
allowance for loan losses was .42% of total loans at June 30, 1999,  compared to
 .45% at March 31, 1999.

At June 30, 1999,  non-performing  assets were $120,155  compared to $231,000 at
March 31, 1999.  Loans are  considered  non-performing  when the  collection  of
principal  and/or  interest is not probable,  or in the event  payments are more
than 90 days delinquent.
<PAGE>
Management  will  continue  to monitor  its  allowance  for loan losses and make
additions to the  allowance  through the  provision  for loan losses as economic
conditions dictate. Although the Company maintains its allowance for loan losses
at a level  considered  to be adequate,  there can be no  assurance  that future
losses will not exceed estimated amounts or that additional  provisions for loan
losses will not be required in the future.



                                      -8-
<PAGE>
CAPITAL RESOURCES
-----------------

The Bank is subject to three capital to asset  requirements  in accordance  with
Office of Thrift Supervision (the "OTS")  regulations.  The following table is a
summary of the Bank's regulatory capital  requirements  versus actual capital at
June 30, 1999.
<TABLE>
<CAPTION>
                                          Actual                    Required                      Excess
                                      Amount/Percent             Amount/Percent               Amount/Percent
                                      --------------             --------------               --------------
                                                             (Dollars in Thousands)

<S>                                   <C>                         <C>                         <C>
Tangible Capital                      $11,925/ 8.90%              $2,385/2.00%                $9,540/ 6.90%

Core Leverage Capital                 $11,925/ 8.90%              $4,770/4.00%                $7,155/ 4.90%

Risk-based Capital                    $12,226/19.19%              $5,097/8.00%                $7,129/11.19%
</TABLE>

LIQUIDITY
---------

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

The Bank is required to maintain  minimum  levels of liquid assets as defined by
regulations.   The  required   percentage  is  currently  four  percent  of  net
withdrawable savings deposits and borrowings payable on demand or in one year or
less.  The Bank has  maintained  its  liquidity  ratio at levels  exceeding  the
minimum requirement. The eligible liquidity ratio at June 30, 1999 was 53.04%.

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

For purposes of the cash flows,  all short-term  investments  with a maturity of
three months or less at the date of purchase are  considered  cash  equivalents.
Cash and cash  equivalents  for the  periods  ended June 30,  1999 and 1998 were
$3,762,196 and  $4,547,742,  respectively.  The decrease was primarily due to an
increase in net cash used in financing activities.

Net cash provided by financing  activities  decreased from  $12,041,449  for the
three months ended June 30, 1998 compared to  ($3,110,872)  for the three months
ended June 30, 1999.  The decrease in net cash provided by financing  activities
was due to  repayments  of FHLB  advances and a reduction in  available-for-sale
securities.
<PAGE>
RECENT ACCOUNTING DEVELOPMENTS
------------------------------

In June of 1999, the Financial  Accounting  Standards board issued SFAS No. 137,
"Accounting for Derivative  Instruments and Hedging Activities - Deferral of the
Effective Date of FASB  Statement No. 133." This statement  amends SFAS No. 133,
"Accounting for Derivative  Instruments and Hedging  Activities,  " to defer its
effective  date.  SFAS No. 137 is effective  for all fiscal  quarters  beginning
after June 15, 2000,  however the Company adopted the provisions of SFAS No. 133
at July 1,  1998  and  utilized  an  option  to  transfer  its  held-to-maturity
investment security portfolio to available-for-sale. Accordingly, all unrealized
gains and losses were recorded at that date.

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

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

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

The Company is substantially  dependent on its computer systems and the computer
system of its data  processor.  Failure of


                                      -9-
<PAGE>
the data center would have a serious  impact on the operation of the Company and
could result in an interruption  of service to customers,  as well as an adverse
financial  impact on the Company.  The worse case scenario might be, (1) loss of
customers due to decreased levels of customer service or loss of utilities,  (2)
large withdrawal  requests  creating deposit  outflows,  (3) increased  employee
expense if extra staff is needed to perform data processing.

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

FORWARD LOOKING STATEMENT
-------------------------

This  Quarterly  Report  on  Form  10-Q  may  contain  certain   forward-looking
statements  consisting  of estimates  with respect to the  financial  condition,
results of  operations  and  business of the Company that are subject to various
factors  which  could  cause  actual  results  to differ  materially  from these
estimates.  These  factors  include,  but are not limited to,  general  economic
conditions,  changes in interest rates,  deposit flows, loan demand, real estate
values  and  competition;   changes  in  accounting   principles,   policies  or
guidelines;   changes  in  legislation  or  regulation;   and  other   economic,
competitive,  governmental,  regulatory and technological  factors affecting the
Company's operations, pricing, products and services.


                                      -10-
<PAGE>
PART II - OTHER INFORMATION


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

            None.

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

            None.

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

            None.

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

            None.

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

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

             On June 17, 1999 the Board of  Directors  declared a $.20 per share
             cash  dividend  to all  stockholders  of  record  on July 2,  1999,
             payable on July 16, 1999.

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

            Exhibits:

            27 - Financial Data Schedule

            Reports on Form 8-K:

            None.


                                      -11-
<PAGE>




                                   SIGNATURES

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

                              HARDIN BANCORP, INC.
                                   Registrant



Date: August 13, 1999                      /s/ Robert W. King
      ---------------                      ------------------
                                           Robert W. King, President and Chief
                                           Executive Officer (Duly Authorized
                                           Officer)






Date: August 13, 1999                      /s/ Karen K. Blankenship
      ---------------                      ------------------------
                                           Karen K. Blankenship, Senior Vice
                                           President and Secretary (Principal
                                           Accounting Officer)


                                      -12-