UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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  September 30, 2003

[ ] Transition report under Section 13 or 15(d) of the Exchange Act

         For the transition period from ______________ to ______________

                         Commission file number 0-23409
                                                -------

                           High Country Bancorp, Inc.
        -----------------------------------------------------------------
        (Exact Name of Small Business Issuer as Specified in Its Charter)

          Colorado                                        84-1438612
 ------------------------------                         --------------
 (State or Other Jurisdiction of                       (I.R.S. Employer
 Incorporation or Organization)                        Identification No.)

                 7360 West US Highway 50, Salida Colorado 81201
                 ----------------------------------------------
                    (Address of Principal Executive Offices)

                                  719-539-2516
                ------------------------------------------------
                (Issuer's Telephone Number, Including Area Code)

                                      N/A
              ----------------------------------------------------
              (Former Name, Former Address and Former Fiscal Year,
                          if Changed Since Last Report)

     Check  whether  the issuer:  (1) filed all reports  required to be filed by
Section 13 or 15(d) of the  Exchange  Act during the past 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
    -----     -----



State the number of shares outstanding of each of the issuer's classes of common
equity, as of the latest practicable date:

Shares of common  stock,  $.01 par value  outstanding  as of November  12, 2003:
894,717
-------



<PAGE>
                           HIGH COUNTRY BANCORP, INC.
                                    CONTENTS


PART I - FINANCIAL INFORMATION

     Item 1:   Financial Statements

               Consolidated  Statements  of  Condition  at  June  30,  2003
               and September 30, 2003                                          3

               Statements of Consolidated Income for the Three Months Ended
               September 30, 2003 and 2002                                     4

               Statements  of  Consolidated  Cash  Flows for the Three
               Months  Ended September 30, 2003 and 2002                       5

               Notes to Financial Statements                               6 - 7

     Item 2:   Management's Discussion and Analysis or Plan of
               Operations                                                 8 - 10

     Item 3:   Controls and Procedures                                        11

PART II - OTHER INFORMATION

     Item 1:   Legal Proceedings                                              12

     Item 2:   Changes in Securities and Use of Proceeds                      12

     Item 3:   Defaults Upon Senior Securities                                12

     Item 4:   Submission of Matters to a Vote of Security Holders            12

     Item 5:   Other Information                                              12

     Item 6:   Exhibits and Reports on Form 8-K                               12

     Signatures                                                               13



                                       2
<PAGE>
                           HIGH COUNTRY BANCORP, INC.
                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
                                   (UNAUDITED)
Part 1-Financial Information
Item 1. Financial Statements
<TABLE>
<CAPTION>
                                                                     September 30,           June 30,
ASSETS                                                                   2003                  2003
                                                                 ---------------------    ----------------
<S>                                                                    <C>                      <C>

Cash and amounts due from banks                                   $    4,195,102           $   5,526,577
Interest- bearing deposits at other institution                       16,587,438               7,492,254
Mortgage-backed securities, held to maturity                           8,968,507              10,168,536
Securities, held to maturity                                           3,302,768                 302,322
Loans receivable - net                                               148,342,911             150,486,042
Loans held for sale                                                      120,000               2,169,400
Federal Home Loan Bank stock, at cost                                  2,421,600               2,421,600
Accrued interest receivable                                            1,118,286               1,451,395
Property and equipment, net                                            6,386,554               6,424,978
Other real estate owned                                                1,237,500                      --
Prepaid expenses and other assets                                        714,121                 724,945
Deferred income taxes                                                    174,000                 215,400
                                                                  --------------           -------------

         TOTAL ASSETS                                             $  193,568,787           $ 187,383,449
                                                                  ==============           =============

           LIABILITIES AND EQUITY

LIABILITIES
Deposits                                                          $  135,598,837           $ 129,215,996
Advances by borrowers for taxes and insurance                             91,362
Escrow accounts                                                           11,633                      --
Accounts payable and other liabilities                                   936,202               1,116,456
Advances from Federal Home Loan Bank                                  38,325,000              39,325,000
Accrued income taxes payable                                             324,700                   3,569
                                                                  --------------           -------------

         TOTAL LIABILITIES                                           175,287,734             169,661,021
                                                                  --------------           -------------

Commitments and contingencies

EQUITY
Preferred stock- $.01 par value; authorized 1,000,000
   shares; no shares issued or outstanding                                    --                      --
Common stock-$.01 par value; authorized 3,000,000 shares;
   issued and outstanding 901,704 (September 30, 2003)
   and 892,612 (June 30, 2003)                                             9,017                   8,926
Paid-in capital                                                        7,263,453               7,142,126
Retained earnings - substantially restricted                          11,423,848              10,986,641
Note receivable from ESOP Trust                                         (415,265)               (415,265)
                                                                  --------------           -------------

             TOTAL EQUITY                                             18,281,053              17,722,428
                                                                  --------------           -------------

         TOTAL LIABILITIES AND EQUITY                             $  193,568,787           $ 187,383,449
                                                                  ==============           =============
</TABLE>

SEE NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

                                       3
<PAGE>

                           HIGH COUNTRY BANCORP, INC.
                        CONSOLIDATED STATEMENTS OF INCOME
                                   (UNAUDITED)
<TABLE>
<CAPTION>
                                                                       THREE MONTHS ENDED
                                                                          SEPTEMBER 30,
                                                                     2003             2002
                                                                     ----             ----
<S>                                                                  <C>              <C>
Interest Income
       Interest on loans                                            $2,949,193         $3,031,977
       Interest on securities held-to-maturity                          72,175            100,396
       Interest on other interest- bearing assets                       51,237             57,093
                                                                    ----------         ----------

              Total interest income                                  3,072,605          3,189,466
                                                                    ----------         ----------
Interest Expense
       Deposits                                                        675,982            740,686
       Federal Home Loan Bank advances                                 530,420            635,025

              Total interest expense                                 1,206,402          1,375,711
                                                                    ----------         ----------

              Net interest income                                    1,866,203          1,813,755

Provision for losses on loans                                          165,000             97,000
                                                                    ----------         ----------
       Net interest income after provision
        for loan losses                                              1,701,203          1,716,755
                                                                    ----------         ----------
Noninterest Income
       Service charges on deposits                                      63,668             60,964
       Loans sold                                                      306,701            180,706
       Title and escrow fees                                            62,104             49,610
       Other                                                           164,844            161,441
                                                                    ----------         ----------

              Total noninterest income                                 597,317            452,721
                                                                    ----------         ----------
Noninterest Expense
       Compensation and benefits                                       962,747            870,505
       Occupancy and equipment                                         342,452            327,812
       Insurance and professional fees                                  66,775             94,418
       Other                                                           183,939            163,614
                                                                    ----------         ----------

              Total noninterest expense                              1,555,913          1,456,349
                                                                    ----------         ----------
              Income before income taxes                               742,607            713,127


              Income tax expense                                       305,400            274,800
                                                                    ----------         ----------
              Net income                                            $  437,207         $  438,327
                                                                    ==========         ==========
Basic Earnings Per Common Share                                     $     0.51         $     0.51
                                                                    ==========         ==========
Diluted Earnings Per Common Share                                  $      0.47         $     0.49
                                                                    ==========         ==========
Weighted Average Common Shares Outstanding
Basic                                                                  869,964            858,500
Effect of dilutive options                                              61,670             36,905
Diluted                                                                931,634            895,405
Dividends Paid Per Share                                                    --                 --
</TABLE>

SEE NOTES TO CONSOLIDATED FINANCIAL STATEMENTS


                                       4
<PAGE>
                           HIGH COUNTRY BANCORP, INC.
                      CONSOLIDATED STATEMENT OF CASH FLOWS
                                   (UNAUDITED)
<TABLE>
<CAPTION>

                                                                       THREE MONTHS ENDED
                                                                          SEPTEMBER 30,
                                                                      2003              2002
                                                                      ----              ----
<S>                                                                   <C>               <C>
Operating Activities
       Net income                                                 $   437,207            $  438,327
       Adjustments to reconcile net income to net
        cash provided by operating activities:
       Amortization of:
       Deferred loan origination fees                                 (54,138)              (47,666)
       Premiums on investments                                         17,843                16,123
       Loss on disposition of equipment                                    --                 1,839
       Compensation expense on ESOP shares                             31,047                34,107
       Compensation expense on Management
        Recognition Plan                                                   --                48,600
       ESOP market value expense                                       55,765                24,969
       Provision for losses on loans                                  165,000                97,000
       Deferred income taxes                                           41,400               (33,200)
       Depreciation                                                   121,296               115,243
       Income taxes                                                   321,131               225,082
       Net change in miscellaneous assets                             217,933                90,687
       Net change in miscellaneous liabilities                       (211,301)              124,451
                                                                  -----------            ----------
       Net cash provided by operating activities                    1,143,183             1,135,562
                                                                  -----------            ----------

Investing Activities
       Net change in interest bearing deposits                     (9,095,184)             (479,520)
       Net change in loans receivable                               2,970,169            (1,256,057)
       Purchase of securities held-to-maturity                     (2,990,625)                   --
       Principal repayments of securities-held-to-maturity          1,172,365               585,238
       Purchases of property and equipment                            (82,872)             (106,809)
                                                                  -----------            ----------
            Net cash used by investing activities                  (8,026,147)           (1,257,148)
                                                                  -----------            ----------

Financing Activities
       Net change in deposits                                       6,382,841             2,599,508
       Net change in escrow funds                                     102,995              (590,338)
       Stock options exercised                                         65,653                    --
       Proceeds (payment) on FHLB advances                         (1,000,000)           (1,050,000)
                                                                  -----------            ----------
            Net cash provided by financing activities               5,551,489               959,170
                                                                  -----------            ----------
            Net change in cash and cash equivalents                (1,331,475)              837,584

Cash and cash equivalents, beginning                                5,526,577             2,873,502
                                                                  -----------            ----------

Cash and cash equivalents, ending                                 $ 4,195,102            $3,711,086
                                                                  ===========            ==========

Supplemental disclosure of cash flow information
Cash paid for:
       Taxes                                                               --                   --
       Interest                                                     1,219,709            1,396,721
Loans reclassified to other real estate owned                       1,111,500                   --
SEE NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
</TABLE>


                                       5
<PAGE>
                           HIGH COUNTRY BANCORP, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                   (UNAUDITED)
                               SEPTEMBER 30, 2003

Note 1.  Nature of Business
High Country Bancorp,  Inc. (the "Company") was  incorporated  under the laws of
the State of Colorado for the purpose of becoming the holding  company of Salida
Building  and  Loan  Association  (the  "Association")  in  connection  with the
Association's  conversion  from a federally  chartered  mutual  savings and loan
association  to a  federally  chartered  stock  savings  and  loan  association,
pursuant to its Plan of Conversion.  The Company was organized in August 1997 to
acquire all of the common stock of Salida Building and Loan Association upon its
conversion  to stock form,  which was completed on December 9, 1997. In November
1999,  the  Association  incorporated a new  subsidiary,  High Country Title and
Escrow  Company.  This company is offering  title  insurance and escrow  closing
services  with the  Association's  market area.  In February  2000,  the name of
Salida  Building  and Loan  Association  was changed to High  Country  Bank (the
"Bank").

Note 2.  Basis of Presentation
The accompanying unaudited  consolidated  financial statements,  (except for the
statement of financial  condition at June 30, 2003,  which is audited) have been
prepared in accordance with generally accepted accounting principles for interim
financial  information  and with the  instructions  to Form 10-QSB of Regulation
S-X.  Accordingly,  they do not include  all of the  information  and  footnotes
required by generally  accepted  accounting  principles  for complete  financial
statements.  In the opinion of management all  adjustments  necessary for a fair
presentation of the financial position and results of operations for the periods
presented  have been  included.  The  financial  statements  of the  Company are
presented  on a  consolidated  basis  with  those of High  Country  Bank and its
subsidiary High Country Title and Escrow Company.  The results of operations for
the three months ended September 30, 2003 are not necessarily  indicative of the
results of operations that may be expected for the year ended June 30, 2004. The
preparation  of financial  statements  in  conformity  with  generally  accepted
accounting principles requires management to make estimates and assumptions that
affect the reported  amounts of assets and  liabilities  and the  disclosure  of
contingent  assets and  liabilities as the date of the financial  statements and
the  reported  amounts of revenues  and expenses  during the  reporting  period.
Actual results could differ from those estimates.

The  accounting  policies  followed  are as set forth in Note 1. of the Notes to
Financial Statements in the 2003 High Country Bancorp, Inc. financial statements

Note 3.  Regulatory Capital Requirements
At September 30, 2003, the Bank met each of the three current minimum regulatory
capital  requirements.  The following  table  summarizes  the Bank's  regulatory
capital position at September 30, 2003:
<TABLE>
<CAPTION>
<S>                                    <C>                 <C>
Tangible Capital:
                     Actual          $18,139,000          9.37%
                   Required            2,905,000          1.50
                     Excess          $15,234,000          7.87%

Core Capital:
                     Actual          $18,139,000          9.37%
                   Required            5,810,000          3.00
                     Excess          $12,329,000          6.37%

Risk-Based Capital:
                     Actual          $19,540,000         14.53%
                   Required           10,755,000          8.00
                     Excess          $ 8,785,000          6.53%
</TABLE>



                                       6
<PAGE>


                           HIGH COUNTRY BANCORP, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                   (UNAUDITED)
                               SEPTEMBER 30, 2003

Tangible and core capital  levels are shown as a  percentage  of total  adjusted
assets;  risk-based  capital  levels are shown as a percentage of  risk-weighted
assets.


Note 4. Earnings Per Share

The Company  adopted  Financial  Accounting  Standards  Board  Statement No. 128
relating to earnings per share.  The statement  requires dual  presentations  of
basic and diluted  earnings  per share on the face of the income  statement  and
requires a  reconciliation  of the  numerator and  denominator  of the basic EPS
computation  to the numerator and  denominator  of the diluted EPS  computation.
Basic EPS  excludes  dilution  and is computed by dividing  income  available to
common stockholders by the weighted-average  number of common shares outstanding
for the period.  Diluted EPS reflects the potential dilution that could occur if
securities or other  contracts to issue common stock were exercised or converted
into common  stock or resulted in the  issuance of common stock that then shares
in the earnings of the entity.



                                       7
<PAGE>
                           HIGH COUNTRY BANCORP, INC.
                      MANAGEMENT'S DISCUSSION AND ANALYSIS

Item 2. Management Discussion and Analysis

COMPARISON OF FINANCIAL CONDITION AT JUNE 30, 2003 AND SEPTEMBER 30, 2003

The  Company's  total  assets  increased  by $6.2  million or 1.03% from  $187.4
million at June 30, 2003 to $193.6  million at September 30, 2003.  The increase
in assets was due to growth in  interest-bearing  deposits and other real estate
owned.

Interest-bearing  deposits  increased $9.1 million from $7.5 million at June 30,
2003 to $16.6 million at September  30, 2003.  The increase was due to principal
reductions  of  loans  receivable,  loans  held for  sale,  and  higher  savings
deposits.  In the upcoming months, the deposits may be used for paying down FHLB
advances,  seasonal  deposit  withdrawals,  loan  demand  and  other  investment
purchases.

Mortgage-backed securities classified as "held to maturity" decreased from $10.1
million at June 30, 2003 to $8.9 million at September  30, 2003. In the upcoming
months,  the Bank plans to purchase  additional  adjustable-rate  and short term
mortgage  backed  securities  and short  term  Agency  Notes in order to improve
investment  yields and maintain  interest rate risk. At September 30, 2003,  the
securities had an estimated fair value of $9.3 million.

Securities  held to maturity  increased  from $300  thousand at June 30, 2003 to
$3.3  million as a result of the  purchase  of $3  million in short term  Agency
Notes. It is Managements intent to hold those until maturity.

Net loans  decreased $2.2 million from $150.5 million at June 30, 2003 to $148.3
million at September  30, 2003 as a result of slower loan demand and  prepayment
of principal on loans.  During the three months ended  September  30, 2003,  the
Bank sold $18.6  million of  fixed-rate  loans to the Federal Home Loan Mortgage
Corporation.  At September 30, 2003, loans held for sale were $120 thousand. The
loans are valued at the lower of cost or market.

As of September  30, 2003 and June 30,  2003,  the  non-performing  loans in the
Bank's  portfolio  were  $1.83  and  $3.1  million,   respectively.   The  total
non-performing  loans  at  September  30,  2003  included  24 loans  secured  by
commercial  real  estate,  single  family  residences,   vacant  land,  business
equipment and autos.  During the summer of 2002, the Bank's primary lending area
was  affected  by a major  drought  and nearby  forest  fires  which  negatively
impacted the local tourism  economy,  which in turn has had a negative impact on
the loan portfolio.

Except  as  discussed   below,   the  Bank  had  no  loans  not   classified  as
non-performing  or restructured  where known  information  about possible credit
problems of  borrowers  caused  management  to have  serious  concerns as to the
ability of the  borrowers to comply with present  loan  repayment  terms and may
result in  disclosure as  non-performing  or  restructured.  As of September 30,
2003,  the Bank's loan  portfolio  included 10 loans  totaling  $2.2  million to
tourism  related  businesses  which were  included on an internal  watch list as
potential  problem loans.  Several  borrowers  have received  assistance for the
Small Business Administration  disaster assistance program.  Although a specific
allowance  for  loss  has  not  been  established  on  these  loans,  management
considered  the  potential  risk of loss on  these  loans  in  establishing  the
provision for loan losses for the three months ended September 30, 2003.

The  allowance  for loan losses  totaled $1.4 million at September  30, 2003 and
$1.5 million at June 30, 2003.  The loans charged off during the quarter  ending
September  30, 2003  included  accrued  interest  on  commercial  loans  secured
primarily by a single family residence and vacant land and a ranch property,  as
well as auto loans which involved repossessions.

The  properties  included in other real estate owned  include the single  family
residence with an adjacent  property of vacant land, vacant  agricultural




                                       8
<PAGE>

land, and a single family property located on an agricultural property. Based on
the most  recent  information  available,  no further  loss is  expected  on the
properties as they are recorded at fair value on the financial statements.



                                       9
<PAGE>
                           HIGH COUNTRY BANCORP, INC.
                      MANAGEMENT'S DISCUSSION AND ANALYSIS

At September  30, 2003 and June 30, 2003,  the ratio of the  allowance  for loan
losses to net loans was .94% and .99%,  respectively.  During  the three  months
ended  September 30, 2003,  there were $275 thousand of loans charged off and $3
thousand  recoveries of previous loan losses. The determination of the allowance
for loan losses is based on a review and  classification of the Bank's portfolio
and other  factors,  including  the market value of the  underlying  collateral,
growth and composition of the loan portfolio,  the relationship of the allowance
for loan losses to outstanding  loans,  historical loss experience,  delinquency
trends and prevailing economic  conditions.  Particular attention was focused on
the Bank's  commercial loan portfolio and any impaired loans.  The Bank believes
the  current  level of  allowance  for loan  losses is  adequate  to provide for
probable  future losses,  although there are no assurances  that probable future
losses, if any, will not exceed estimated amounts.

At September 30, 2003  deposits  increased  $6.4 million to $135.6  million from
$129.2 million at June 30, 2003.  The increase is a result of competitive  rates
and seasonal growth.  The increase funded the purchase of $3.0 million of agency
notes and will fund the purchase of additional  mortgage  backed  securities and
investment securities, and loan growth.

Advances from the Federal Home Loan Bank decreased to $38.3 million at September
30, 2003 from $39.3  million at June 30, 2003.  Funds from deposits were used to
pay-off maturing advances.



COMPARISON  OF OPERATING  RESULTS FOR THE THREE MONTHS ENDED  SEPTEMBER 30, 2003
AND 2002

Net Income.  The Company's  net income for the three months ended  September 30,
2003 was $437,000  compared to $438,000 for the three months ended September 30,
2002.  The  decrease  in net income  resulted  primarily  from the  increase  in
non-interest  expenses including  compensation,  occupancy and equipment,  other
expenses, and additional provision for loan loss.

Net Interest  Income.  Net interest  income for the three months ended September
30, 2003 was $1.87 million  compared to $1.81 million for the three months ended
September 30, 2002.  (Although both interest earning assets and interest bearing
liabilities  increased,  the cost of interest bearing liabilities decreased at a
greater rate than the yield on interest  earning  assets.) The average  yield on
interest  earning  assets  decreased  from  7.63%  for the  three  months  ended
September 30, 2002 to 7.14% for the three months ended  September 30, 2003.  The
decrease  in costs was due to lower  deposit  rates and less  reliance on higher
costing  Federal Home Loan  Advances.  The interest rate spread  increased  from
3.98% for the  three  months  ended  September  30,  2002 to 4.17% for the three
months ended September 30, 2003.

Provision for Losses on Loans.  The provision for loan loss was $165,000 for the
three  months  ended  September  30,  2003 as  compared to $97,000 for the three
months  ended  September  30,  2002.  The Bank  charged off a larger than normal
amount of consumer loans, as well as amounts associated with real estate owned.

Non-interest Income. Non-interest income was $597,000 for the three months ended
September 30, 2003 as compared to $453,000 for the three months ended  September
30,  2002.  Loan sales  income was the  largest  increase.  Loan sale  income is
expected  to  decrease  in the future as a result of higher  interest  rates and
fewer refinances, resulting in fewer loan sales.



                                       10
<PAGE>
                           HIGH COUNTRY BANCORP, INC.
                      MANAGEMENT'S DISCUSSION AND ANALYSIS

Non-interest  Expenses.  Non-interest  expenses  were $1.6 million for the three
months ended September 30, 2003 as compared to $1.5 million for the three months
ended September 30, 2002. Increases occurred in compensation and benefit expense
and other expenses.  The increases are tied to additional  employees  associated
with growth. Insurance and professional fees decreased.


LIQUIDITY AND CAPITAL RESOURCES
The  Company's  primary  sources of funds  consist of deposits,  FHLB  advances,
repayment of loans and mortgage-backed securities, maturities of investments and
interest-bearing  deposits, and funds provided from operations.  While scheduled
repayments of loans and mortgage-backed  securities and maturities of investment
securities are predicable  sources of funds,  deposit flows and loan prepayments
are  greatly  influenced  by the  general  level  of  interest  rates,  economic
conditions and competition. The Company uses its liquidity resources principally
to fund existing and future loan commitments,  to fund maturing  certificates of
deposit and demand  deposit  withdrawals,  to fund  maturing FHLB  advances,  to
invest in other  interest-earning  assets,  to maintain  liquidity,  and to meet
operating  expenses.  Management believes that proceeds from loan repayments and
other  sources of funds will be adequate to meet the Company's  liquidity  needs
for the immediate future.

The Bank is required to maintain sufficient liquidity to ensure a safe and sound
operation.  Management  believes  that  the  Bank's  sources  of  liquidity  for
potential uses are adequate under the current regulations.


IMPACT OF INFLATION AND CHANGING PRICES

The financial statements and related data presented herein have been prepared in
accordance  with generally  accepted  accounting  principles,  which require the
measurement  of  financial  position  and  results  of  operations  in  terms of
historical dollars without  considering changes in the relative purchasing power
of money over time  because of  inflation.  Unlike  most  industrial  companies,
virtually  all of the assets and  liabilities  of the  Company  are  monetary in
nature.  As a  result,  interest  rates  have a more  significant  impact on the
Company's performance than the effects of general levels of inflation.  Interest
rates do not necessarily  move in same direction or in the same magnitude as the
prices of goods and services.

FORWARD LOOKING STATEMENTS

This report  contains  certain  forward-looking  statements made pursuant to the
safe harbor provisions of the Private Securities  Litigation Reform Act of 1995.
Such statements are subject to certain risks and uncertainties including changes
in economic  conditions  in the  Company's  market area,  changes in policies by
regulatory  agencies,  fluctuations  in  interest  rates,  loan  demand  in  the
Company's market area, and competition that could cause actual results to differ
materially  from  historical   earnings  and  those  presently   anticipated  or
projected.  The Company wishes to caution readers not to place undue reliance on
any such forward-looking statements, which reflect management's analysis only as
the date made. The Company does not undertake any obligation to publicly  revise
these  forward-looking  statements to reflect events or circumstances that arise
after the date of such statements.



                                       11
<PAGE>
                           HIGH COUNTRY BANCORP, INC.
                             CONTROLS AND PROCEDURES

Item 3.   Controls and Procedures

As of the end of the period  covered by this report,  management  of the Company
carried out an evaluation,  under the supervision and with the  participation of
the Company's  principal  executive officer and principal  financial officer, of
the effectiveness of the Company's disclosure controls and procedures.  Based on
this  evaluation,  the  Company's  principal  executive  officer  and  principal
financial  officer  concluded  that  the  Company's   disclosure   controls  and
procedures are effective in ensuring that  information  required to be disclosed
by the Company in reports that it files or submits under the Securities Exchange
Act of 1934, as amended, is recorded, processed, summarized and reported, within
the time periods specified in the Securities and Exchange Commission's rules and
forms.

In addition,  there have been no changes in the Company's  internal control over
financial  reporting  (to the extent  that  elements of  internal  control  over
financial  reporting are subsumed  within  disclosure  controls and  procedures)
identified in connection  with the evaluation  described in the above  paragraph
that occurred  during the Company's  last fiscal  quarter,  that has  materially
affected,  or is reasonably likely to materially  affect, the Company's internal
control over financial reporting.


                                       12
<PAGE>
                           HIGH COUNTRY BANCORP, INC.

                           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

                  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

                  The following exhibit is filed herewith:

                  Exhibit
                  Number        Title
                  -------       -----
                  31            Rule 13a-14(a) Certifications

                  32            Certification Pursuant to 18 U.S.C. Section 1350

                  (b) Reports on Form 8-K

                  None


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<PAGE>
                                   SIGNATURES

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

                                        High Country Bancorp, Inc.
                                         Registrant


Date  November 12, 2003                /s/ Larry D. Smith
                                       -----------------------------------------
                                       Larry D. Smith
                                       President and Chief Executive Officer
                                       (Duly Authorized Officer)


                                       /s/ Frances Pasquale
Date  November 12, 2003                -----------------------------------------
                                       Frances Pasquale
                                       Chief Financial Officer
                                       (Principal Financial Officer)


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