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 September 30, 2000

                                       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 September 30,2000
-------------------------------     --------------------------------------------
  Common stock, .01 par value                            731,453



<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>

                      Hardin Bancorp, Inc. and Subsidiaries
                           Consolidated Balance Sheets
                                   (Unaudited)
<TABLE>
<CAPTION>
                                                                       September 30, 2000         March 31, 2000
                                                                       ------------------       -----------------
<S>                                                                     <C>                      <C>
                                              Assets
Cash                                                                    $   1,143,854            $   1,418,308
Interest bearing deposits                                                   3,289,644                3,331,934
Investment securities at fair value                                        37,273,123               37,793,223
Mortgage-backed securities at fair value                                   11,691,278               11,805,699
Loans receivable, net                                                      83,587,032               78,059,195
Accrued interest receivable:
      Investment securities                                                   491,851                  487,312
      Mortgage-backed securities                                               93,320                   84,232
      Loans receivable                                                        609,634                  548,094
Premises and equipment                                                      1,728,883                1,777,911
Stock in Federal Home Loan Bank (FHLB) of Des Moines, at cost               2,165,000                2,015,000
Deferred income taxes                                                         886,589                  816,000
Prepaid expenses and other assets                                             365,165                  347,403
                                                                        -------------            -------------
Total assets                                                            $ 143,325,373            $ 138,484,311
                                                                        =============            =============

                               Liabilities and Stockholders' Equity

Liabilities:
      Deposits                                                          $  85,686,282            $  86,565,365
      Advances from borrowers for property taxes and insurance                655,569                  359,670
      Advances from FHLB                                                   43,300,000               38,300,000
      Accrued interest payable                                                 73,112                   40,935
      Current income taxes payable                                             74,579                   73,601
      Accrued expenses and other liabilities                                  778,748                  718,463
                                                                        -------------            -------------
Total liabilities                                                         130,568,290              126,058,034
                                                                        -------------            -------------


Stockholders' equity:
      Serial preferred stock, $.01 par value;
           500,000 shares authorized, none issued or outstanding                   --                       --
      Common stock, $.01 par value; 3,500,000 shares authorized,
           1,058,000 shares issued                                             10,580                   10,580
      Additional paid in capital                                           10,344,591               10,319,573
      Retained earnings                                                     9,136,915                8,813,865
      Accumulated other comprehensive loss                                 (1,595,881)              (1,477,663)
      Unearned employee benefits                                             (328,367)                (429,323)
      Treasury stock, 326,547 shares at cost                               (4,810,755)              (4,810,755)
                                                                        -------------            -------------
Total stockholders' equity                                                 12,757,083               12,426,277

                                                                        -------------            -------------
Total liabilities and stockholders' equity                              $ 143,325,373            $ 138,484,311
                                                                        =============            =============
</TABLE>


See accompanying notes to unaudited 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,
                                                 -------------------------------        -------------------------------
                                                     2000               1999                2000               1999
                                                     ----               ----                ----               ----
<S>                                              <C>                 <C>                 <C>                 <C>
Interest income:
      Loans receivable                           $1,701,687          $1,482,685          $3,339,193          $2,913,075
      Mortgage-backed securities                    199,521             163,563             387,541             332,584
      Investment securities                         660,584             667,723           1,317,154           1,342,330
      Other                                          73,579              61,028             139,098             122,798
                                                 ----------          ----------          ----------          ----------
Total interest income                             2,635,371           2,374,999           5,182,986           4,710,787
                                                 ----------          ----------          ----------          ----------

Interest expense:
      Deposits                                    1,013,833             941,058           1,975,732           1,885,394
      FHLB advances                                 658,157             481,786           1,247,892             959,221
                                                 ----------          ----------          ----------          ----------
Total interest expense                            1,671,990           1,422,844           3,223,624           2,844,615
                                                 ----------          ----------          ----------          ----------

Net interest income                                 963,381             952,155           1,959,362           1,866,172

Provision for loan losses                            13,242                  --              31,832               1,297
                                                 ----------          ----------          ----------          ----------

Net interest income after provision
      for loan losses                               950,139             952,155           1,927,530           1,864,875
                                                 ----------          ----------          ----------          ----------

Non-interest income:
      Service charges                               182,533             153,244             355,607             286,219
      Loan servicing fees                             6,401               8,581              13,782              15,653
      Gain on sale of loans                           4,840               9,331               4,840               9,331
      Gain on sale of real estate owned                 108                  --               9,313                  --
      Gain on sale of investments and
          mortgage-backed securities                     --                  --                  --               7,164
      Other                                          27,924              92,690              72,109             132,122
                                                 ----------          ----------          ----------          ----------
Total non-interest income                           221,806             263,846             455,651             450,489
                                                 ----------          ----------          ----------          ----------

Non-interest expense:
      Compensation and benefits                     368,370             369,321             732,809             709,462
      Occupancy and equipment                        66,300              66,853             129,688             133,158
      Federal insurance premiums                      4,464              12,042               8,908              23,982
      Data processing                                62,063              50,361             122,353             100,315
      Real estate owned                                  --               1,126                  --               1,126
      Other                                         230,405             222,252             432,907             434,868
                                                 ----------          ----------          ----------          ----------
Total non-interest expense                          731,602             721,955           1,426,665           1,402,911
                                                 ----------          ----------          ----------          ----------

Earnings before income taxes                        440,343             494,046             956,516             912,453

Income tax expense                                  160,104             157,920             340,925             306,910
                                                 ----------          ----------          ----------          ----------

Net earnings                                     $  280,239          $  336,126          $  615,591          $  605,543
                                                 ----------          ----------          ----------          ----------

Net earnings per share:
      Basic                                      $     0.40          $     0.49          $     0.88          $     0.88
                                                 ----------          ----------          ----------          ----------
      Diluted                                          0.39                0.47                0.85                0.85
                                                 ----------          ----------          ----------          ----------
</TABLE>

See accompanying notes to unaudited consolidated financial statements.


                                       2

<PAGE>



                      Hardin Bancorp, Inc. and Subsidiaries
                 Consolidated Statements of Stockholders' Equity
                   For the Six Months Ended September 30, 2000
                                   (Unaudited)
<TABLE>
<CAPTION>
                                                                                                                     Accumulated
                                                                      Additional                       Other          Unearned
                                                        Common         Paid-in        Retained     Comprehensive      Employee
                                                        Stock          Capital        Earnings          Loss          Benefits
                                                    ------------     ----------      ---------     ------------     ------------
<S>                                                  <C>             <C>             <C>            <C>               <C>
Balance at  March 31, 2000                           $    10,580     10,319,573      8,813,865      (1,477,663)       (429,323)
Comprehensive income:
      Net earnings                                            --             --        615,591              --              --
      Change in net unrealized loss on securities
        available for sale, net of tax                        --             --             --        (118,218)             --
                                                     -----------    -----------    -----------     -----------     -----------
             Total comprehensive income (loss)                --             --        615,591        (118,218)             --
                                                     -----------    -----------    -----------     -----------     -----------
Allocation of ESOP shares                                     --         25,018             --              --          53,820
Amortization of recognition and retention plan                --             --             --              --          47,136
Dividends declared ($.20 per share)                           --             --       (292,541)             --              --
                                                     -----------    -----------    -----------     -----------     -----------
Balance at September 30, 2000                        $    10,580    $10,344,591      9,136,915      (1,595,881)       (328,367)
                                                     ===========    ===========    ===========     ===========     ===========
</TABLE>

<TABLE>
<CAPTION>

                                                                        Total
                                                      Treasury       Shareholders'
                                                       Stock           Equity
                                                     -----------    ------------
<S>                                                  <C>             <C>
Balance at  March 31, 2000                           (4,810,755)     12,426,277
Comprehensive income:
      Net earnings                                           --         615,591
      Change in net unrealized loss on securities
        available for sale, net of tax                       --        (118,218)
                                                    -----------     -----------
             Total comprehensive income (loss)               --         497,373
                                                    -----------     -----------
Allocation of ESOP shares                                    --          78,838
Amortization of recognition and retention plan               --          47,136
Dividends declared ($.20 per share)                          --        (292,541)
                                                    -----------     -----------
Balance at September 30, 2000                        (4,810,755)     12,757,083
                                                    ===========     ===========
</TABLE>


See accompanying notes to unaudited consolidated financial statements.


                                       3

<PAGE>



                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
              For the Six Months Ended September 30, 2000 and 1999
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                         2000              1999
                                                                     -----------        -----------
<S>                                                                 <C>                    <C>
Operating Activities:
Net earnings                                                        $   615,591            605,543
Adjustments to reconcile net earnings
      to net cash provided by operating activities:
         Provision for losses on loans                                   31,832              1,297
         Depreciation                                                    64,412             70,670
         Premium accretion and amortization
            of discounts and deferred loan fees, net                     16,330             29,993
         Net gain on sale of loans                                       (4,840)           (16,495)
         Proceeds from sales of loans                                  (326,589)           674,218
         Allocation of ESOP shares                                       78,838             96,097
         Amortization of deferred recognition
            and retention plan                                           47,136             52,166
         Changes in asset and liabilities:
                Interest receivable                                     (75,167)           (77,351)
                Other assets                                            (24,668)           (74,203)
                Accrued interest payable                                 32,177              1,731
                Accrued expense and other liabilities                    60,325             38,156
                Income taxes payable                                        978             15,911
                                                                    -----------        -----------
Net cash provided by operating activities                               516,355          1,417,733
                                                                    -----------        -----------

Investing Activities:
         Net increase in loans receivable                            (5,239,900)        (6,840,987)
         Principal payments on available-for-sale
            mortgage-backed & related securities                      1,182,432          4,728,615
         Proceeds from sales of available-for-sale
            mortgage-backed securities                                       --            363,166
         Purchase of available-for-sale investment securities        (1,810,904)
         Purchase of mortgage-backed securities                        (741,388)                --
         Proceeds from sales of available-for-sale
            investment securities                                            --          1,005,400
         Proceeds from sales of other repossessed assets                  6,906                 --
         Purchase of stock in FHLB of Des Moines                       (150,000)                --
         Purchase of office premises and equipment                      (15,384)           (71,423)
                                                                    -----------        -----------
Net cash used in investing activities                               $(4,957,334)        (2,626,133)
                                                                    -----------        -----------
</TABLE>


                                       4

<PAGE>



                      Hardin Bancorp, Inc. and Subsidiaries
                      Consolidated Statements of Cash Flows
              For the Six Months Ended September 30, 2000 and 1999
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                           2000              1999
                                                                       -----------        -----------
<S>                                                                    <C>                    <C>
Financing Activities:
         Net (decrease) increase in savings deposits                   $  (879,083)           751,881
         Net decrease in advances from borrowers
            for taxes and insurance                                        295,899            318,981
         Proceeds from FHLB advances                                     5,000,000         14,000,000
         Repayments of FHLB advances                                            --        (16,000,000)
         Payment of dividends                                             (292,581)          (279,207)
                                                                       -----------        -----------
Net cash  provided by (used in) financing activities                     4,124,235         (1,208,345)
                                                                       -----------        -----------

Decrease in cash and cash equivalents                                     (316,744)        (2,416,745)

Cash and equivalents at beginning of period                              4,750,242          4,994,692
                                                                                          -----------
                                                                       -----------        -----------
Cash and equivalents at end of period                                  $ 4,433,498          2,577,947
                                                                       ===========        ===========

Supplemental disclosure of cash flow information: Cash paid for:
            Interest                                                   $ 3,191,447          2,842,884
            Income taxes, net of refunds                               $   339,947            290,999
Non-cash investing and financing:
         Dividends declared and payable                                $   146,291            146,951
         Loan transferred to real estate owned                         $        --             93,051

</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,  2000,  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  and  six-month
          periods ended September 30, 2000 are not necessarily indicative of the
          results, which may be expected for the entire year. The March 31, 2000
          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        For the six months ended
                                                                September 30,                    September 30,
                                                            2000             1999            2000             1999
                                                            ----             ----            ----             ----
<S>                                                        <C>             <C>             <C>              <C>
              Basic weighted average shares                702,491         689,886         702,494          690,383
              Common stock equivalents/stock options        23,050          24,615          17,550           25,541
                                                        ----------------------------     ----------------------------
              Diluted weighted average shares              725,541         714,501         720,044          715,924
                                                        ============================     ============================
</TABLE>



(3)        Pending Transaction

           On October 25, 2000,  the Company  entered into an Agreement and Plan
           of Merger (the  "Agreement")  with Dickinson  Financial  Corporation,
           pursuant to which  Dickinson  Financial  will pay $21.75 per share in
           cash for the  outstanding  shares of the Company.  The acquisition is
           subject to the satisfaction of certain conditions, including approval
           by the  Company's  shareholders'  and  the  receipt  of all  required
           regulatory approvals.


                                       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  $143,325,373 as of September
30,  2000,  as  compared  to  $138,484,311,  on March 31,  2000,  an increase of
$4,841,062.  The increase was primarily due to an increase in loans  receivable,
net, partially offset by a decrease in investment securities.

Loans  receivable,  net,  increased to  $83,587,032  on September  30, 2000 from
$78,059,195  on March 31,  2000,  an  increase  of  $5,527,837.  Mortgage-backed
securities  decreased  $114,421  to  $11,691,278  on  September  30,  2000  from
$11,805,699 on March 31, 2000.

 Cash,  interest bearing deposits and investment  securities  decreased $836,844
from  $42,543,465  on March 31, 2000, to  $41,706,621 on September 30, 2000. The
decrease was due to investment  funds being  utilized to originate  mortgage and
consumer loans.

Deposits totaled  $85,686,282 on September 30, 2000, a decrease of $879,083 from
$86,565,365  on March 31, 2000.  The decrease in deposits was  primarily  due to
seasonal deposit outflow and intense  competition from local as well as national
depository institutions.

FHLB  advances  increased  $5,000,000  to  $43,300,000  on  September  30, 2000,
compared to $38,300,000  on March 31, 2000.  The increase  offset the outflow of
deposits and was utilized to fund loan growth.

Stockholders'  equity  was  $12,757,083  on  September  30,  2000,  compared  to
$12,426,277  on March  31,  2000.  The  increase  in  stockholders'  equity  was
primarily the result of the  Company's net earnings  during the six months ended
September  30, 2000,  and a decrease in unearned  employee  benefits,  partially
offset by an increase in unrealized loss on investment securities.

                                       7

<PAGE>


RESULTS OF OPERATIONS

Net earnings for the Company's  quarter  ended  September 30, 2000 were $280,239
compared  to  $336,126  for the  comparable  quarter in 1999.  The  decrease  in
earnings was  primarily due to a reduction in total  non-interest  income and an
increase in total non-interest expense.

Basic  earnings per share for the quarter  ended  September  30, 2000 were $0.40
while diluted  earnings per share were $0.39.  Basic  earnings per share for the
quarter ended September 30, 2000 were calculated based on 702,491 average shares
outstanding  and diluted  earnings  per share were  calculated  based on 725,541
average shares outstanding.  Basic earnings per share for the comparable quarter
ended September 30, 1999 were $0.49 while diluted earnings per share were $0.47.
Basic  earnings  per  share  for the  quarter  ended  September  30,  1999  were
calculated based on 689,886 average shares  outstanding and diluted earnings per
share were calculated based on 714,501 average shares outstanding.

Net interest income after provision for loan losses was $950,139 for the quarter
ended  September 30, 2000  compared to $952,155 for the quarter ended  September
30, 1999, a decrease of $2,016. This slight decrease was a result of an increase
in the  provision  for loan  losses from $0 in the 1999 period to $13,242 in the
2000 period. Total interest income increased $260,372 from $2,374,999 in 1999 to
$2,635,371 in 2000 and total interest expense increased $249,146 from $1,422,844
in 1999 to $1,671,990 in 2000. The increase in total interest  income was due to
an increase in the average yield on interest  earning  assets while the increase
in total  interest  expense was primarily a result of an increase in the average
cost of FHLB advances.

Total  non-interest  income  decreased  from  $263,846  for  the  quarter  ended
September  30, 1999 to $221,806 for the quarter ended  September  30, 2000.  The
decrease was due to decreases in other non-interest  income and gains on sale of
loans.  The  decrease  in other  non-interest  income was due to the  receipt of
tax-free life  insurance  proceeds  received in the quarter ended  September 30,
1999. The Bank was named as beneficiary of the insurance policy.

The Company's  total  non-interest  expense for the three months ended September
30, 2000 was $731,602  compared to $721,955 for the comparable  quarter in 1999.
The increase was primarily due to increases in data processing expense and other
non-interest expense, offset by reductions in compensation and benefits expense,
occupancy and equipment expense, and FDIC insurance premiums.

Net earnings for the six months ended September 30, 2000, were $615,591 compared
to $605,543 for the six months ended September 30, 1999, an increase of $10,048.
The  increase  was  primarily  due to  increases  in  net  interest  income  and
non-interest  income,  partially  offset, by increases in the provision for loan
losses and total non-interest expense.

Basic earnings per share for the six months ended  September 30, 2000 were $0.88
while diluted  earnings per share were $0.85.  Basic  earnings per share for the
six months ended  September 30, 2000 were  calculated  based on 702,494  average
shares  outstanding  and diluted  earnings  per share were  calculated  based on
720,044 average shares outstanding.  Basic earnings per share for the six months
ended September 30, 1999 were $0.88 while diluted earnings per share were $0.85.
Basic  earnings  per share for the six  months  ended  September  30,  1999 were
calculated based on 690,383 average shares  outstanding and diluted earnings per
share were calculated based on 715,924 average shares outstanding.

Net  interest  income after  provision  for loan losses for the six month period
ended September 30, 2000 was $1,927,530 compared to $1,864,875 for the six month
period ended September 30, 1999, an increase of $62,655. The increase was due to
an increase in the Bank's net interest margin.

Non-interest  income for the six months ended  September 30, 2000,  was $455,651
compared to $450,489 for the six months ended September 30, 1999, an increase of
$5,162.  The  increase  was due to an increase  in service  charges and gains on
sales of real  estate  owned,  offset by  decreases  in gains on sales of loans,
gains  on  sales  of  investments  and  mortgage-backed   securities  and  other
non-interest income.

The Company's  non-interest  expense for the six months ended September 30, 2000
was  $1,426,665,  compared to $1,402,911 for the six months ended  September 30,
1999,  an  increase  of  $23,754.  The  increase  was  due  to  an  increase  in
compensation  and benefits and data processing  expense,  offset by decreases in
occupancy  and  equipment   expense,   Federal  insurance   premiums  and  other
non-interest expense.


                                       8
<PAGE>


PROVISION FOR LOAN LOSSES

For the six months ended September 30, 2000, the Company, in accordance with its
classification of assets policy,  recorded $31,832 in provision for loan losses.
The Company's loan portfolio consists primarily of one to four family loans, and
has experienced minimal charge-offs in the past two years.

At September 30, 2000,  the Bank's  allowance  for loan losses was $329,859,  or
183% of non-performing  assets compared to $304,422,  or 128% at March 31, 2000.
The  allowance for loan losses was .39% of total loans at September 30, 2000 and
at March 31, 2000.

At September 30, 2000,  non-performing assets were $179,907 compared to $237,000
at March 31, 2000.  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.

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.

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
September 30, 2000.

<TABLE>
<CAPTION>

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

<S>                          <C>                     <C>                   <C>
Tangible Capital             $14,250/ 9.80%          $2,182/ 1.50%         $12,068/ 8.30%

Core Leverage Capital        $14,250/ 9.80%          $5,819/ 4.00%          $8,431/ 5.80%

Risk-based Capital           $14,580/21.09%          $5,530/ 8.00%          $9,050/13.09%
</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 September  30, 2000 was
31.27%.

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 September 30, 2000 and 1999 were
$4,433,498 and  $2,577,947,  respectively.  The increase was primarily due to an
increase in net cash provided by financing activities.


                                       9
<PAGE>


FORWARD LOOKING STATEMENT

This  Quarterly  Report  on Form  10-QSB  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 and Use of Proceeds

              None.

Item 3.       Defaults Upon Senior Securities

              None.

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


              On July 27, 2000, the annual meeting of  stockholders  was held at
              the Hardin United Methodist Church  Fellowship Hall located at 101
              Northeast 1st Street, Hardin, Missouri.

              The meeting was conducted with a quorum  present in person,  or by
              proxy. Matters, which were submitted to and approved by a majority
              of stockholders, were as follows:

              1.  The  election of two  directors  of the Company for three year
                  terms.  Karen K.  Blankenship  received  662,612 votes for and
                  2,341  votes were  withheld.  Ivan R. Hogan  received  661,612
                  votes for, and 3,341 votes were withheld.

              2.  The ratification of the appointment of KMPG as the auditors of
                  the Company for the fiscal year ending March 31,  2001.  Votes
                  for KPMG were  652,053  votes  against  were  12,700 and votes
                  abstaining were 200.

              The terms of office of the following directors continued after the
              meeting:  Robert W. King,  David D.  Lodwick,  David K.  Hatfield,
              William L. Homan and W. Levan Thurman.

Item 5.       Other Information

              On September  21, 2000 the Board of Directors  declared a $.20 per
              share cash  dividend to all  stockholders  of record on October 6,
              2000, payable on October 20, 2000.

              On October 25, 2000,  the Company  entered  into an Agreement  and
              Plan  of  Merger  (the  "Agreement")   with  Dickinson   Financial
              Corporation, pursuant to which Dickinson Financial will pay $21.75
              per share in cash for the outstanding  shares of the Company.  The
              acquisition is subject to the satisfaction of certain  conditions,
              including approval by the Company's  shareholders' and the receipt
              of all required regulatory approvals.

Item 6.       Exhibits and Reports on Form 8-K

              Exhibits:

              27 - Financial Data Schedule

              Reports on Form 8-K:

              On  November 7, 2000,  the  Company  filed a Report on Form 8-K to
              report under Item 5, Other Events,  the Agreement  with  Dickinson
              Financial.  The  Agreement  was  included as Exhibit 2 to the Form
              8-K.

                                       11

<PAGE>

                                   SIGNATURES


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


                                         HARDIN BANCORP, INC.
                                              Registrant



Date: November 14, 2000                  /s/ Robert W. King
      -----------------                  ---------------------------------------
                                         Robert W. King, President and Chief
                                         Executive Officer (Duly Authorized
                                         Officer)



Date: November 14, 2000                  /s/ Karen K. Blankenship
      -----------------                  ---------------------------------------
                                         Karen K. Blankenship, Senior Vice
                                         President and Secretary (Principal
                                         Accounting Officer)


                                       12