<PAGE>

                UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-QSB

(Mark One)

 [X]  QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED JUNE 30, 2003

 [ ]  TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT
      OF 1934 FOR THE TRANSITION PERIOD FROM _____________ TO ______________

                        Commission File Number 333-34254

                           LAFAYETTE COMMUNITY BANCORP
                 (Name of Small Business Issuer in its charter)

<TABLE>
<CAPTION>
<S>                                                          <C>
              INDIANA                                              35-2082918
---------------------------------------                      ---------------------
(State of incorporation) I.R.S. Employer                     Identification Number
</TABLE>

                   2 NORTH 4TH STREET LAFAYETTE, INDIANA 47901
                   -------------------------------------------
              (Address of principal executive offices and zip code)

                                 (765) 429-7200
                           (Issuer's Telephone number)

As of August 8, 2003, there were 895,450 Common Shares outstanding.

Transitional Small Business Disclosure Format (Check one): Yes [ ] No [X]
<PAGE>
                           LAFAYETTE COMMUNITY BANCORP

                                      INDEX

<TABLE>
<S>                                                                                                   <C>
PART I.  FINANCIAL INFORMATION

  Item 1.  Financial Statements

           Consolidated Balance Sheets at June 30, 2003 and December 31, 2002 .....................       3

           Consolidated Statements of Income and Comprehensive Income for the
           three and six months ended June 30, 2003 and 2002 ......................................     4-5

           Consolidated Statements of Cash Flows for the six months ended June
           30, 2003 and 2002 ......................................................................       6

           Notes to Consolidated Financial Statements .............................................     7-8

Item 2.    Management's Discussion and Analysis of Results of Operations and Financial
           Condition ..............................................................................    9-14

Item 3.    Controls and Procedures ................................................................      15

PART II. OTHER INFORMATION

Item 1.  Legal proceedings ........................................................................      16

Item 2.  Changes in securities ....................................................................      16

Item 3.  Defaults upon senior securities ..........................................................      16

Item 4.  Submission of Matters to a Vote of Security Holders ......................................      16

Item 5.  Other information ........................................................................      16

Item 6.  Exhibits and reports on Form 8-K .........................................................      17

Signatures ........................................................................................      18

Exhibit Index .....................................................................................      19

Exhibits ..........................................................................................   20-25
</TABLE>

                                       2
<PAGE>
                           LAFAYETTE COMMUNITY BANCORP
                           CONSOLIDATED BALANCE SHEETS
                       June 30, 2003 and December 31, 2002

<TABLE>
<CAPTION>
                                                                  June 30,
                                                                    2003            December 31,
                                                                 (unaudited)            2002
                                                                 ------------       ------------
<S>                                                              <C>                <C>
ASSETS
Cash and due from banks                                          $  2,547,344       $  2,023,715
Federal funds sold                                                  1,200,000            800,000
                                                                 ------------       ------------
   Cash and cash equivalents                                        3,747,344          2,823,715
Securities available for sale                                      12,237,367         12,313,479
Loans, net of allowance ($876,000 and $681,000)                    71,661,781         60,113,628
Federal Home Loan Bank Stock, at cost                                 407,700            277,500
Premises and equipment, net                                           551,243            540,093
Accrued interest receivable and other assets                          772,561            641,866
                                                                 ------------       ------------
                                                                 $ 89,377,996       $ 76,710,281
                                                                 ============       ============
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
   Non-interest bearing deposits                                 $  3,707,722       $  3,529,410
   Interest bearing deposits                                       70,934,132         59,015,898
                                                                 ------------       ------------
      Total deposits                                               74,641,854         62,545,308
Federal Home Loan Bank advances                                     5,750,000          5,550,000
Accrued expenses payable and other liabilities                        257,497            188,273
                                                                 ------------       ------------
      Total liabilities                                            80,649,351         68,283,581

Shareholders' equity

  Common stock, no par value; 10,000,000 shares authorized;
   899,150 shares issued and 895,950 shares outstanding -
   2003
   899,900 shares issued and 899,150 shares outstanding -           8,558,903          8,568,428
   2002
   Retained earnings/(deficit)                                        126,536           (235,342)
   Treasury stock, at cost; 3,200 and 750 shares                      (42,851)            (9,525)
   Accumulated other comprehensive income                              86,057            103,139
                                                                 ------------       ------------
      Total shareholders' equity                                    8,728,645          8,426,700
                                                                 ------------       ------------
                                                                 $ 89,377,996       $ 76,710,281
                                                                 ============       ============
</TABLE>


See accompanying notes.

                                       3
<PAGE>
                           LAFAYETTE COMMUNITY BANCORP
           CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME
           For the three and six months ended June 30, 2003 and 2002
                                   (unaudited)

<TABLE>
<CAPTION>
                                                               Three months     Three months     Six months         Six months
                                                                  ended             ended            ended             ended
                                                              June 30, 2003     June 30, 2002   June 30, 2003      June 30, 2002
                                                              -------------     -------------   -------------      -------------
<S>                                                           <C>               <C>             <C>                <C>
Interest income
      Loans, including related fees                             $1,203,992      $  819,203        $2,320,724        $1,526,095
      Taxable securities                                           114,971          95,217           212,794           158,801
      Other                                                          8,238          13,121            17,612            25,314
                                                                ----------      ----------        ----------        ----------
                                                                 1,327,201         927,541         2,551,130         1,710,210
Interest expense
      Deposits                                                     502,547         389,449           966,555           742,273
      Other                                                         17,093          18,699            40,372            25,346
                                                                ----------      ----------        ----------        ----------
                                                                   519,640         408,148         1,006,927           767,619

Net interest income                                                807,561         519,393         1,544,203           942,591

Provision for loan losses                                           90,000          78,000           195,000           139,000
                                                                ----------      ----------        ----------        ----------

Net interest income after provision for loan losses                717,561         441,393         1,349,203           803,591

Non-interest income
      Service charges on deposit accounts                           19,998          13,790            38,370            24,187
      Brokerage fees on mortgage loans originated for sale         205,756         133,511           422,082           263,721
      Other                                                          8,151          10,760            27,903            17,231
                                                                ----------      ----------        ----------        ----------
         Total non-interest income                                 233,905         158,061           488,355           305,139
</TABLE>

                                       4
<PAGE>
<TABLE>
<S>                                                                 <C>               <C>            <C>              <C>
Non-interest expenses
      Salaries and employee benefits                                  367,635              278,199          707,334          533,736
      Occupancy and equipment                                          84,397               61,837          159,417          133,982
      Legal and professional                                           21,853               27,837           46,673           53,756
      Data processing                                                  37,005               27,949           74,823           58,937
      Advertising                                                      27,475               33,300           57,925           48,300
      Directors' fees                                                  21,250               13,200           42,500           26,400
      Other                                                            76,212               61,834          145,219          111,815
                                                                     --------           ----------       ----------      -----------
            Total non-interest expenses                               635,827              504,156       $1,233,891          966,926
                                                                     --------           ----------       ----------      -----------

Income before income taxes                                            315,639               95,298          603,667          141,804

Income taxes                                                          126,547                    -          241,789                -
                                                                     --------           ----------       ----------      -----------
Net income                                                           $189,092           $   95,928       $  361,878      $   141,804
                                                                     ========           ==========       ==========      ===========
Net income per share
  Basic                                                              $   0.21           $     0.11       $     0.40      $      0.16
                                                                     ========           ==========       ==========      ===========
  Diluted                                                            $   0.21           $     0.10       $     0.40      $      0.15
                                                                     ========           ==========       ==========      ===========
                                                                     --------           ----------       ----------      -----------
Comprehensive income                                                 $193,955           $  218,144       $  344,796      $   219,997
                                                                     ========           ==========       ==========      ===========
</TABLE>

See accompanying notes.

                                       5
<PAGE>
                           LAFAYETTE COMMUNITY BANCORP
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                 For the six months ended June 30, 2003 and 2002
                                   (unaudited)



<TABLE>
<CAPTION>
                                                                  Six months ended    Six months ended
                                                                   June 30, 2003       June 30, 2002
                                                                  ----------------    ----------------
<S>                                                                <C>                <C>
Cash flows from operating activities
      Net income                                                   $    361,878       $    141,804
      Adjustments to reconcile net income to net cash from
      operating activities
       Depreciation and amortization                                     50,414             46,555
       Provision for loan losses                                        195,000            139,000
       Net amortization of securities                                   137,523             79,495
       Net change in assets and liabilities:
          Accrued interest receivable and other assets                 (119,470)          (122,261)
          Accrued interest payable and other liabilities                 69,224             40,332
                                                                   ------------       ------------
             Net cash from operating activities                         694,549            324,925

Cash flows from investing activities
       Purchases of securities                                       (3,992,478)        (4,917,143)
       Proceeds from securities matured/called/paid                   3,902,780          1,280,174
       Purchase of FHLB Stock                                          (130,200)          (150,000)
       Loans made to customers, net of payments collected           (11,743,153)       (11,740,024)
       Purchase of premises and equipment                               (61,564)           (19,264)
                                                                   ------------       ------------
             Net cash from investing activities                     (12,024,615)       (15,546,257)

Cash flows from financing activities
       Net change in deposit accounts                                12,096,546         15,249,589
       Proceeds from FHLB advances                                    5,000,000          1,500,000
       Repayments of  FHLB advances                                  (4,800,000)                --
       Repurchase of common stock                                       (42,851)            (3,900)
                                                                   ------------       ------------
             Net cash from financing activities                      12,253,695         16,745,689
                                                                   ------------       ------------

Net change in cash and cash equivalents                                 923,629          1,524,357

Cash and cash equivalents at beginning of period                      2,823,715          3,056,528
                                                                   ------------       ------------
Cash and cash equivalents at end of period                         $  3,747,344       $  4,580,885
                                                                   ============       ============
</TABLE>

See accompanying notes.

                                       6
<PAGE>
                           LAFAYETTE COMMUNITY BANCORP
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

                                  June 30, 2003

1.       Accounting Policies

The significant accounting policies followed by Lafayette Community Bancorp
("Lafayette") for interim financial reporting are consistent with the accounting
policies followed for annual financial reporting. The interim financial
statements have been prepared in accordance with instructions to Form 10-QSB and
may not include all information and footnotes normally shown for full annual
financial statements. All adjustments which are, in the opinion of management,
necessary for a fair presentation of the results for the periods reported have
been included in the accompanying unaudited consolidated financial statements
and all such adjustments are of a normal recurring nature.

The preparation of financial statements in conformity with accounting principles
generally accepted in the United States of America requires management to make
estimates and assumptions that affect the amounts reported in the financial
statements and the disclosures provided and future results could differ.

Stock Options: Employee compensation expense under stock options is reported
using the intrinsic value method. No stock-based compensation cost is reflected
in net income, as all options granted had an exercise price equal to or greater
than the market price of the underlying common stock at date of grant. The
following table illustrates the effect on net income and earnings per share if
expense was measured using the fair value recognition provisions of FASB
Statement No. 123, Accounting for Stock-Based Compensation.

<TABLE>
<CAPTION>
                                                        Three months ended                 Six months ended
                                                -------------------------------    -----------------------------
                                                June 30, 2003     June 30, 2002    June 30, 2003   June 30, 2002
                                                -------------     -------------    -------------   -------------
<S>                                             <C>              <C>             <C>              <C>
Net income as reported                          $   189,092      $    95,298     $   361,878      $   141,804
Deduct:  Stock-based compensation expense
  determined under fair value based method            4,131            4,131           8,261            8,261
                                                -----------      -----------     -----------      -----------
Pro forma net income                                184,961           91,167         353,617          133,543

Basic earnings per share as reported                    .21              .11             .40              .16
Pro forma basic earnings per share                      .21              .10             .39              .15

Diluted earnings per share as reported                  .21              .10             .40              .15
Pro forma diluted earnings per share                    .20              .10             .39              .15
</TABLE>

Nature of Business: The Bank provides commercial, mortgage and installment loans
and receives deposits from customers located in Tippecanoe and contiguous
counties in Indiana.

2.       Earnings Per Share

Basic earnings per share are computed using the weighted average number of
shares outstanding during the periods which were 898,195 and 898,670 for the
three and six months ended June 30, 2003 and 899,692 and 899,796 for the three
and six months ended June 30, 2002. Diluted earnings per share are computed
assuming that dilutive stock options outstanding are exercised and the proceeds
were used entirely to reacquire shares at the periods' average price. For the
three and six months ended June 30, 2003, this would result in an additional
11,336 and 8,434 shares outstanding and weighted average diluted shares of
909,531 and 907,104. For the three and six months ended June 30, 2002, this
would result in an additional 19,928 and 20,660 shares outstanding and weighted
average diluted shares of 919,620 and 920,456.

                                       7
<PAGE>
3.       Segment Reporting

Internal financial information is primarily reported and aggregated in one line
of business, i.e., banking.



                                       8
<PAGE>
PART I. FINANCIAL INFORMATION

ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF RESULTS OF OPERATIONS AND
FINANCIAL CONDITION

SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS

Certain statements throughout this section regarding Lafayette's and the Bank's
(as defined below) financial position, business strategy and plans and
objectives of management for future operations are forward-looking statements
rather than historical or current facts. When used in this section, words such
as "anticipate," "believe," "estimate," "expect," "intend" and similar
expressions, as they relate to Lafayette and the Bank or their respective
management, identify forward-looking statements. Such forward-looking statements
are based on the beliefs of management of Lafayette and the Bank as well as
assumptions made by and information currently available to management of
Lafayette and the Bank. Such statements are inherently uncertain, and there can
be no assurance that the underlying assumptions will prove to be valid. Actual
results could differ materially from those contemplated by the forward-looking
statements as a result of certain factors, including but not limited to
competitive factors and pricing pressures, changes in legal and regulatory
requirements, technological change, product development risks and general
economic conditions, including, but not limited to, changes in interest rates,
loss of deposits and loans to other savings and financial institutions,
substantial changes in financial markets, substantial changes in real estate
values and the real estate market and unanticipated results in pending legal
proceedings. Such statements reflect the current view of Lafayette and the Bank
with respect to future events and are subject to these and other risks,
uncertainties and assumptions relating to the operations, results of operations,
growth strategy and liquidity of Lafayette and the Bank.

GENERAL

Lafayette was incorporated on January 29, 1999, to become a regulated bank
holding company by chartering and capitalizing a wholly owned Indiana bank
subsidiary, Lafayette Community Bank (the"Bank") to be located in Lafayette,
Indiana. All regulatory requirements were satisfied and the Bank commenced
operations on November 1, 2000.

The principal business of the Bank consists of providing a wide range of banking
products and services that are reasonably priced and easily understood by
customers, with an emphasis on technology and electronic self-service features.
The Bank offers various products for depositors including checking and savings
accounts, on-line banking facilities, certificates of deposit and vault locker
boxes. Lending is targeted to small- to medium-sized businesses, with an
emphasis on commercial lending.

The Bank operates from three locations. The Bank's main office, which serves as
Lafayette's principal executive office, is located in a two-story building in
downtown Lafayette that houses a full-service banking office, Automated Teller
Machine (ATM), drive-up banking system, executive offices, board room and the
operations department. The Bank has entered into a lease

                                       9
<PAGE>
agreement for this facility with a partnership comprised of directors. The lease
term runs through October 31, 2005. Rent commenced on November 1, 2000. The
second banking location is a full-service bank branch office including drive-up
banking and an ATM on the north side of Lafayette. Lafayette entered into a
noncancellable lease agreement for this office with an unaffiliated, third
party. The lease term runs through March 31, 2005. Rent commenced on April 1,
2000. The newest branch opened July 21, 2003, and is located in West Lafayette,
Indiana. It is a full-service branch office including drive-up banking and an
ATM. Lafayette entered into a noncancellable lease agreement for this office
with an unaffiliated, third party, commencing on June 1, 2003 and effective
through May 31, 2013.

The book value per share of Lafayette's voting common shares at June 30, 2003,
which is equivalent to shareholders' equity per common share issued and
outstanding at the end of the period, was $9.74, compared to $9.37 at December
31, 2002.

Options to buy stock are granted to directors, officers and employees under the
Employee Stock Option Plan, which provides for issue of up to 180,000 options.
Exercise price is the greater of market price at date of grant or $10. The
maximum option term is ten years. Options to directors vest immediately while
options granted to employees will generally vest over five years. During 2001,
options to acquire 90,000 shares were granted at $10.50 per share.

Lafayette has not paid, and does not expect to pay, dividends in the near
future. Lafayette will retain any earnings to finance its growth. Future
dividend policy will depend on Lafayette's earnings, capital requirements,
financial condition and other factors deemed relevant by Lafayette's Board of
Directors.

The following presents management's discussion and analysis of the consolidated
financial condition of Lafayette as of June 30, 2003 and December 31, 2002 and
results of operations for the three and six months ended June 30, 2003 and June
30, 2002. This discussion should be read in conjunction with the with
Lafayette's unaudited consolidated condensed financial statements and the
related notes appearing elsewhere in this report and Lafayette's Annual Report
on Form 10-KSB for the year ended December 31, 2002.

SUMMARY OPERATING RESULTS

Lafayette recorded net income of $189,000 and $362,000 for the three and six
months ended June 30, 2003 compared to $95,000 and $142,000 for the same periods
in 2002. Increased net interest income and fee income from mortgage loan sales
more than offset the increase in non-interest expenses. Lafayette continues to
grow in total assets and virtually all categories of income and expense have
increased as a result of that growth.

INTEREST INCOME

Interest income for the three and six months ended June 30, 2003 was $1,327,000
and $2,551,000 compared to $928,000 and $1,710,000 for the same periods in 2002.
Loan income, including fees, was $1,204,000 and $2,321,000 for the three and six
months ended June 30, 2003

                                       10
<PAGE>
compared to $819,000 and $1,526,000 for the same periods in 2002. The increase
reflects growth in total loans outstanding. Interest income from taxable
securities was $115,000 and $213,000 for the three and six months ended June 30,
2003, and $95,000 and $159,000 for the same periods in 2002. Other interest
income for the three and six months ended June 30, 2003 was $8,000 and $18,000,
compared to $13,000 and $25,000 for the same periods in 2002, and came primarily
from Federal Funds sold. The decrease in other interest income is associated
with a decrease in average Federal Funds sold as the bank invests in
high-quality U. S. government agency and mortgage-backed securities. The
increase in interest income was driven, in virtually all categories, primarily
by growth in interest-earning assets as interest rates declined.

INTEREST EXPENSE

Interest expense for the three and six months ended June 30, 2003, was $520,000
and $1,007,000 compared to interest expense for the three and six months ended
June 30, 2002, of $408,000 and $768,000. For the three and six months ended June
30, 2003, interest expense on deposits was $503,000 and $967,000, compared to
$389,000 and $742,000 for the same periods in 2002, reflecting growth in
interest-bearing deposits. Interest expense on borrowings for the three and six
months ended June 30, 2003 was $17,000 and $40,000. For the three and six months
ended June 30, 2002, interest expense on borrowings was $19,000 and $25,000.
Borrowings were from the Federal Home Loan Bank. The increase in interest
expense was driven, in virtually all categories, primarily by growth in
interest-bearing liabilities as interest rates declined.

NET INTEREST INCOME

Net interest income was $808,000 and $1,544,000 for the three and six months
ended June 30, 2003 compared to $519,000 and $943,000 for the same periods of
2002. This increase was driven by the growth in volume of average earning assets
and interest bearing liabilities.

PROVISION FOR LOAN LOSSES

The provision for loan losses represents charges made to earnings to maintain an
adequate allowance for loan losses. The allowance is maintained at a level
management believes to be sufficient to absorb probable incurred losses in the
loan portfolio. Monitoring loan quality and maintaining an adequate allowance is
an ongoing process overseen by senior management. On at least a quarterly basis,
a formal analysis of the adequacy of the allowance is prepared and reviewed by
management and the board of directors. This analysis serves as a point in time
assessment of the level of the allowance and serves as a basis for provisions
for loan losses.

Our loan quality monitoring process includes assigning loan grades to commercial
loans and the use of a watch list to identify loans of concern. The analysis of
the allowance for loan losses includes the allocation, when needed, of specific
amounts of the allowance to individual problem loans, generally based on our
analysis of the collateral securing those loans. Portions of the allowance are
allocated to pools of loans, based upon a variety of factors including industry
loss averages for similarly sized institutions and our analysis of the
portfolio, trends in delinquent and

                                       11
<PAGE>
non-performing loans, and economic trends affecting our market. These components
are added together and compared to the balance of our allowance at the
evaluation date.

At June 30, 2003, loans totaling $399,000 were classified as substandard.
Substandard loans are assigned a higher allowance rate than other loans. No
loans had been placed in nonaccrual status at June 30, 2003. At June 30, 2003
and December 31, 2002, the Bank did not have any loans recorded as troubled debt
restructurings, nor did it have any properties recorded as other real estate
owned (OREO). Increased loan growth has been associated with higher levels of
delinquency. At June 30, 2003, loans past due thirty days or more were
approximately 4.2% of total loans compared to approximately 0.7% at June 30,
2002. The Bank has no long-term history from which to project possible future
delinquency rates. The Bank has recorded no loan charge-offs since inception.
Due to the recent commencement of operations and the lack of loss history,
management continues to use peer analysis to assist in estimating possible loan
losses. The allowance at June 30, 2003 was $876,000 or 1.21% of loans compared
to $681,000 or 1.12% of total loans, at December 31, 2002.

NON-INTEREST INCOME

Total non-interest income was $234,000 and $488,000 for the three and six months
ended June 30, 2003 and $158,000 and $305,000 for the same periods in 2002.
Service charges on deposit accounts were $20,000 and $38,000 for the three and
six months ended June 30, 2003, compared to $14,000 and $24,000 for the same
periods in 2002 with increases primarily due to volume. Brokerage fees on
mortgage loans originated for sale for the three and six months ended June 30,
2003 were $206,000 and $422,000, compared to $134,000 and $264,000 for the same
periods in 2002. These fees are earned when fixed rate mortgages are originated
by the Bank and sold, servicing released, to third parties and have increased
primarily due to increases in volume in the favorable rate environment and
expansion of operations. Management does not necessarily expect this growth to
continue or for loan volume to remain at current levels.

NON-INTEREST EXPENSE

Total non-interest expense for the three and six months ended June 30, 2003, was
$636,000 and $1,234,000, compared to $504,000 and $967,000 for the same periods
in 2002. For the three and six months ended June 30, 2003, salary and employee
benefits expenses were $368,000 and $707,000. Salary and employee benefit
expenses for the three and six months ended June 30, 2002, were $278,000 and
$534,000. This increase was associated with an increase in staff as the Bank has
grown and increases of $34,000 and $63,000 in commissions paid to mortgage
origination personnel for the three and six months ending June 30, 2003 compared
to the same periods in 2002. Occupancy and equipment expenses were $84,000 and
$159,000 for the three and six months ended June 30, 2003 and $62,000 and
$134,000 for the same periods in 2002. These increases are associated with
general increases building maintenance and utilities and the purchase and
maintenance of equipment as the Bank has grown. Data processing expenses are
volume driven and were $37,000 and $74,000 for the three and six months ended
June 30, 2003, compared to $28,000 and $59,000 during the same periods in 2002.
Advertising expenses were $27,000 and $58,000 for the first three and six months
of 2003 and $33,000 and $48,000 for the

                                       12
<PAGE>
first three and six months of 2002. The Bank has increased advertising as a
means of attracting customers. Other expenses for the three and six months ended
June 30, 2003 were $76,000 and $145,000. For the three and six months ended June
30, 2002, other expenses were $62,000 and $112,000. Other expenses include
supplies, postage, insurance and services required for ongoing operations and
have increased due to expanded operations.

INCOME TAXES

There was no income tax expense during the first six months of 2002 due to a net
operating loss carryforward. During 2002, Lafayette exhausted the operating loss
carryforward tax benefit created during the period since inception. Lafayette
recorded income tax expense of $127,000 and $242,000 for the three and six
months ended June 30, 2003.

BALANCE SHEET

Total assets were $89,378,000 at June 30, 2003 and $76,710,000 at December 31,
2002. Cash and cash equivalents were $3,747,000 at June 30, 2003, compared to
$2,824,000 at December 31, 2002, an increase of $923,000 or 32.68% as cash
generated from operations and deposit growth exceeded cash used to fund loan
growth. Gross loans increased from $60,795,000 at December 31, 2002, to
$72,538,000 at June 30, 2003. This represents an increase of $11,743,000 or
19.32%. Loan growth is primarily associated with increases in loans secured by
real estate. The Bank continues to experience demand for financing of commercial
and residential real estate projects. The Bank has done little advertising of
its loan services. Management believes loan demand is associated with the
continued strength of the economy of the greater Lafayette area, a low interest
rate environment and the desire of customers to conduct business with locally
owned financial institutions. Management does not necessarily expect loan demand
to increase at current rates or to remain at current levels.

The primary sources of liquidity for the Bank are deposits received from
customers and Federal Home Loan Bank fixed and variable rate advances secured by
securities of the Bank. The Bank will use advances from the Federal Home Loan
Bank to fund short-term liquidity needs such as increased loan demand. Funding
for loan growth is expected to be realized primarily from marketing products in
the community and the possible development of branch locations. A detailed
discussion of Federal Home Loan Bank advances is available in Lafayette's Annual
Report on Form 10-KSB for the year ended December 31, 2002.

Total liabilities were $80,649,000 at June 30, 2002 compared to $68,284,000 at
December 31, 2002. Total deposits at June 30, 2003, were $74,642,000 compared to
$62,545,000 at December 31, 2002, an increase of $12,097,000 or 19.34%.
Noninterest-bearing deposits were $3,708,000 and $3,529,000 at June 30, 2003,
and December 31, 2002, respectively, an increase of $179,000 or 5.07%. Interest
bearing deposits increased $11,918,000 or 20.19% from $59,016,000 at December
31, 2002, to $70,934,000 at June 30, 2003. Management has promoted the Bank's
deposit products through advertising and rate specials as they work to gain
market share and attract new customers.

                                       13
<PAGE>
Federal Home Loan Bank advances were $5,750,000 at June 30, 2003, compared to
$5,550,000 at December 31, 2002. The bank uses Federal Home Loan Bank advances
to fund short-term liquidity needs.

CAPITAL REQUIREMENTS

Total shareholders' equity at June 30, 2003, was $8,729,000 compared to
$8,427,000 at December 31, 2002. The increase resulted from net income of
$362,000 for the first six months of 2003, a decrease in unrealized gain on
available-for-sale securities of $17,000 and redemption of common shares of
$43,000.

The Bank is subject to regulatory capital requirements administered by federal
banking agencies. Capital adequacy guidelines and prompt corrective action
regulations involve quantitative and qualitative measures of assets, liabilities
and certain off-balance-sheet items calculated under regulatory accounting
practices.

The prompt corrective action regulations provide five classifications, including
well capitalized, adequately capitalized, undercapitalized, significantly
undercapitalized and critically undercapitalized, although these terms are not
used to represent overall financial condition. If only adequately capitalized,
regulatory approval is required to accept brokered deposits. If
undercapitalized, capital distributions are limited, as is asset growth and
expansion, and plans for capital restoration are required.

At June 30, 2003, the Bank was above the well-capitalized regulatory
requirements. Actual capital ratios and minimum required ratios were as follows
at June 30, 2003:


<TABLE>
<CAPTION>
                                                                                              Minimum Required To Be
                                                                    Minimum Required for      Well Capitalized Under
                                                                           Capital              Prompt Corrective
                                                      Actual          Adequacy Purposes         Action Regulations
                                                      ------          -----------------         ------------------
<S>                                                   <C>           <C>                       <C>
Total capital (to risk weighted assets)               13.67%                   8%                      10%
Tier 1 capital (to risk weighted assets)              12.42%                   4                        6
Tier 1 capital (to average assets)                     9.47%                   4                        5
</TABLE>

                                       14
<PAGE>
ITEM 3. CONTROLS AND PROCEDURES

(a)      Within the end of the period covered by this report, an evaluation was
         carried out under the supervision and with the participation of
         Lafayette Community Bancorp's management, including our Chief Executive
         Officer and Principal Accounting Officer, of the effectiveness of our
         disclosure controls and procedures (as defined in Exchange Act Rules
         13a-14(c) and 15d-14(c) under the Securities Act of 1934). Based on
         their evaluation, our Chief Executive Officer and Principal Accounting
         Officer have concluded that the Company's disclosure controls and
         procedures are, to the best of their knowledge, effective.

(b)      Limitations on the Effectiveness of Controls. Our management, including
         our Chief Executive Officer and Principal Accounting Officer, does not
         expect that our disclosure controls and internal controls will prevent
         all error and all fraud. A control system, no matter how well conceived
         and operated, can provide only reasonable, not absolute, assurance that
         the objectives of the control system are met. Further, the design of a
         control system must reflect the fact that there are resource
         constraints, and the benefits of controls must be considered relative
         to their costs. Because of the inherent limitations in all control
         systems, no evaluation of controls can provide absolute assurance that
         all control issues and instances of fraud, if any, within the company
         have been detected. These inherent limitations include the realities
         that judgments in decision-making can be faulty, and that breakdowns
         can occur because of simple error or mistake. Additionally, controls
         can be circumvented by the individual acts of some persons, by
         collusion of two or more people, or by management override of the
         control.

         The design of any system of controls also is based in part upon certain
         assumptions about the likelihood of future events, and there can only
         be reasonable assurance that any design will succeed in achieving its
         stated goals under all potential future conditions; over time, control
         may become inadequate because of changes in conditions, or the degree
         of compliance with the policies or procedures may deteriorate. Because
         of the inherent limitations in a cost-effective control system,
         misstatements due to error or fraud may occur and not be detected.

(c)      CEO and Controller Certifications. Appearing as an exhibit to this
         report there are Certifications of the Chief Executive Officer and
         Principal Accounting Officer. The Certifications are required in accord
         with Section 302 of the Sarbanes-Oxley Act of 2002 (the "Section 302
         Certifications"). This Item of this report, which you are currently
         reading is the information concerning the Evaluation referred to in the
         Section 302 Certifications and this information should be read in
         conjunction with the Section 302 Certifications for a more complete
         understanding of the topics presented.

                                       15
<PAGE>
PART II. OTHER INFORMATION

Item 1. LEGAL PROCEEDINGS

Neither Lafayette Community Bancorp nor its subsidiary is involved in any
pending legal proceedings at this time, other than routine litigation incidental
to their respective business.

Item 2. CHANGES IN SECURITIES -- Not applicable.

Item 3. DEFAULTS UPON SENIOR SECURITIES -- Not applicable.

Item 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS.

Lafayette's annual meeting of shareholders was held at 9:00 a.m. on May 15,
2002. The following members were elected to the Board of Directors of Lafayette
for the terms indicated or until their successors are duly chosen and qualified.

<TABLE>
<CAPTION>
        Nominee                    Term             For           Withheld          Abstain
<S>                               <C>             <C>             <C>               <C>
Donald Ehrlich                    3 years         722,409            0                 500
David Zimmerman                   3 years         722,909            0                   0
</TABLE>

Incumbent directors whose terms continued were Chairman Edward Chosnek, John
Basham, Connie Ehrlich, Steven Hogwood, Thomas McDonald, and Steven Norfleet.

The shareholders approved a proposal to reappoint Crowe Chizek and Company LLC,
as independent auditors for one year with 720,409 shares voting in favor, 1,000
shares voting against and 1,500 shares abstaining. There were no broker
non-votes.

Item 5. OTHER INFORMATION -- Not applicable.

                                       16
<PAGE>
Item 6. EXHIBITS AND REPORTS ON FORM 8-K

(a) Exhibits

3.1 Amended and Restated Articles of Incorporation of Lafayette Community
Bancorp, which are incorporated by reference to Exhibit 3.1 in the Registration
Statement on SB-2, filed April 7, 2000, as amended, ("Form SB-2").

3.2 By-laws of Lafayette Community Bancorp, which are incorporated by reference
to Exhibit 3.2 in the Form SB-2.

10.1 2000 Directors' Stock Option Plan, which incorporated by reference to
Exhibit 10.1 in the Form SB-2.

10.2 2000 Key Employees' Stock Option Plan, which is incorporated by reference
to Exhibit 10.2 in the Form SB-2.

10.3 Lease (main office property), which is incorporated by reference to Exhibit
10.3 in the Form SB-2.

10.4 Lease (branch office property), which is incorporated by reference to
Exhibit 10.4 in the Form SB-2.

31.1 Chief Executive Officer Certification pursuant to Rule 15d-14(a) of the
Securities Exchange Act of 1934

31.2 Principal Accounting Officer Certification pursuant to Rule 15d-14(a) of
the Securities Exchange Act of 1934

32.1 Chief Executive Officer Certification pursuant to 18 U.S.C. Section 1350.

32.2 Principal Accounting Officer Certification pursuant to 18 U.S.C Section
1350.

(b) Reports on Form 8-K. No reports on Form 8-K were filed during the fiscal
quarter for which this report is filed.

                                       17
<PAGE>
SIGNATURES

         In accordance with the requirements of the Securities Exchange Act of
1934, the registrant caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                            LAFAYETTE COMMUNITY BANCORP


                                            By: /s/ David R. Zimmerman
                                                --------------------------------
                                                David R. Zimmerman
                                                President and Chief Executive
                                                Officer

                                            By: /s/ Dennis R. Hardwick
                                                --------------------------------
                                                Dennis R. Hardwick
                                                Vice President and Controller,
                                                (Principal Accounting Officer)

                                            DATE:    August 8, 2003

                                       18
<PAGE>
                                  EXHIBIT INDEX

3.1 Amended and Restated Articles of Incorporation of Lafayette Community
Bancorp, which are incorporated by reference to Exhibit 3.1 in the Registration
Statement on SB-2, filed April 7, 2000, as amended, ("Form SB-2").*

3.2 By-laws of Lafayette Community Bancorp, which are incorporated by reference
to Exhibit 3.2 in the Form SB-2.*

10.1 2000 Directors' Stock Option Plan, which incorporated by reference to
Exhibit 10.1 in the Form SB-2.*

10.2 2000 Key Employees' Stock Option Plan, which is incorporated by reference
to Exhibit 10.2 in the Form SB-2.*

10.3 Lease (main office property), which is incorporated by reference to Exhibit
10.3 in the Form SB-2.*

10.4 Lease (branch office property), which is incorporated by reference to
Exhibit 10.4 in the Form SB-2.*

31.1 Chief Executive Officer Certification pursuant to Rule 15d-14(a) of the
Securities Exchange Act of 1934

31.2 Principal Accounting Officer Certification pursuant to Rule 15d-14(a) of
the Securities Exchange Act of 1934

32.1 CEO Certification pursuant to 18 U.S.C. Section 1350.

32.2 CFO Certification pursuant to 18 U.S.C Section 1350.


* Previously filed.

                                       19