UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                             450 5TH STREET, N.W.
                            WASHINGTON, D. C. 20549
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                                FORM 10-KSB\A-1

(Mark One)
 X  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
    EXCHANGE ACT OF 1934

For the Fiscal Year Ended March 31, 1996

                                      OR

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

                             Commission File No.   0-27154    


                             JOACHIM BANCORP, INC.
            (Exact name of registrant as specified in its charter)


          Missouri                                  43-1721475              
(State or other jurisdiction of          (I.R.S. Employer Identification No.)
incorporation or organization)

De Soto Plaza, De Soto, Missouri                                     63020    
(Address of principal executive office)                           (Zip Code)


Registrant's telephone number, including area code (314) 586-8821

Not applicable                                                                                     
(Former name, former address and former fiscal year, if changed since last report)


Indicate by check mark whether the registrant (1) has filed all reports required to be filed by
Sections 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 the issuer's classes of common stock, as of the
latest practicable date.


             Class                           Outstanding May 17, 1996
Common Stock, par value $.01 per share           760,437 Shares
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                     JOACHIM BANCORP, INC. AND SUBSIDIARY 

                          PART II - Other Information


Item 1 - Legal Proceeding

    There are no material legal proceedings to which the Holding Company or the Association
    is a party or of which any of their property is subject.  From time to time, the Association
    is a party to various legal proceedings incident to its business.

Item 2 - Changes in Securities

    None.

Item 3 - Defaults upon Senior Securities

    Not applicable.

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

    None.

Item 5 - Other Information

    None.

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

    (a)  Exhibits:  Amended Financial Data Schedule.

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


                                  SIGNATURES

Pursuant to the requirements 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.


                                  JOACHIM BANCORP, INC.
                                       (Registrant)


DATE: April 14, 1997              BY: Bernard R. Westhoff               
                                      Bernard R. Westhoff, President and
                                      Duly Authorized Officer



                                  BY: Lee Ellen Hogan                   
                                      Lee Ellen Hogan, Treasurer and
                                      Chief Financial Officer
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