<PAGE>
 
                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C.  20549

                         _____________________________

                                   FORM 10-Q
(Mark One)
[x]  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
     SECURITIES EXCHANGE ACT OF 1934

     For the quarterly period ended March 31, 1997.


                                      OR

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


Commission File Number:  0-26570


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

       DELAWARE                                                61-1267810
-------------------------------                          -----------------------
(State or other jurisdiction of                              (I.R.S. Employer
 incorporation or organization)                              Identification No.)
 
340 WEST MAIN STREET, DANVILLE, KENTUCKY                            40422
----------------------------------------                 -----------------------
(Address of principal executive offices)                         (Zip Code)
 
Registrant's telephone number, including area code:        (606) 236-4181
                                                           --------------

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past ninety days.
Yes     X            No _________
   -----------      

As of April 24, 1997, 950,000 shares of the registrant's common stock were
issued and outstanding.

Page 1 of 13 Pages                                Exhibit Index at Page N/A
                                                                       -----
<PAGE>
 
                                   CONTENTS

<TABLE> 
<S>                                                                                                <C> 
PART I.   FINANCIAL INFORMATION
 
Item 1.   Financial Statements

          Consolidated Balance Sheets as of March 31, 1997 (unaudited) and
               December 31, 1996..................................................................  3

          Consolidated Statements of Income for the Three-Month Periods Ended
               March 31, 1997 and 1996 (unaudited)................................................  4

          Consolidated Statements of Cash Flows for the Three-Month Periods Ended
               March 31, 1997 and 1996 (unaudited)................................................  5

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

Item 2.   Management's Discussion and Analysis of Financial Condition and
               Results of Operations..............................................................  8


PART II.  OTHER INFORMATION

Item 1.   Legal Proceedings....................................................................... 12
Item 2.   Changes in Securities................................................................... 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
</TABLE>

SIGNATURES
<PAGE>
 
                       CKF BANCORP, INC. AND SUBSIDIARY
                          CONSOLIDATED BALANCE SHEETS

                             ____________________

<TABLE>
<CAPTION>
                                                                    AS OF        AS OF        
                                                                  MARCH 31,    DECEMBER 31,  
ASSETS                                                              1997           1996      
                                                                -------------   ------------  
                                                                  (unaudited)     
<S>                                                             <C>             <C> 
Cash and due from banks                                           $   270,152   $   564,003   
Interest bearing deposits                                           1,307,134     1,655,589   
Investment securities:                                                                      
 Securities available-for-sale                                        719,400       728,475   
 Securities held-to-maturity                                        2,707,163     2,714,723   
Loans receivable, net                                              54,035,083    53,181,509   
Foreclosed real estate                                                185,540       227,340   
Accrued interest receivable                                           425,711       378,405   
Office property and equipment, net                                    533,925       540,638   
Other assets                                                           12,639        11,778   
                                                                  -----------   -----------   
                                                                                            
 Total assets                                                     $60,196,747   $60,002,460   
                                                                  ===========   ===========    
 
LIABILITIES AND STOCKHOLDERS' EQUITY
 
Liabilities:
Deposits                                                          $42,852,850   $42,832,354
Advance from Federal Home Loan Bank                                 2,242,824     1,252,179
Federal income tax payable                                            611,323       641,014
Advance payment by borrowers for taxes and insurance                   51,868        18,944
Other liabilities                                                     184,193       159,040
                                                                  -----------   -----------
 Total liabilities                                                 45,943,058    44,903,531
                                                                  -----------   -----------
 
Stockholders' equity:
 Common stock, $0.01 par value, 4,000,000 shares authorized;
   1,000,000 shares issued                                             10,000        10,000
 Additional paid-in capital                                         9,626,060     9,612,331
 Retained earnings, substantially restricted                        6,283,449     7,147,931
 Treasury stock, 50,000 shares, at cost                              (986,388)     (986,388)
 Stock Option Trust, 22,825 shares, at cost                          (457,169)     (455,344)
 Net unrealized appreciation on securities available-for-sale         457,742       463,732
 Unallocated employee stock ownership plan (ESOP) shares             (680,005)     (693,333)
                                                                  -----------   -----------
  Total stockholders' equity                                       14,253,689    15,098,929
                                                                  -----------   -----------
 
  Total liabilities and stockholders' equity                      $60,196,747   $60,002,460
                                                                  ===========   ===========
</TABLE>

         See accompanying notes to consolidated financial statements.

                                       3
<PAGE>
 
                       CKF BANCORP, INC. AND SUBSIDIARY
                       CONSOLIDATED STATEMENTS OF INCOME
                                  (UNAUDITED)

                            ----------------------

<TABLE>
<CAPTION>
                                                          FOR THE THREE-MONTH PERIODS
                                                                ENDED MARCH 31
                                                          ---------------------------
                                                             1997           1996
                                                          -----------  --------------
<S>                                                       <C>          <C>
INTEREST INCOME:
 Interest on loans                                         $1,051,564      $  975,925
 Interest and dividends on investments                         44,382          27,554
 Other interest income                                         17,372          40,371
                                                           ----------      ----------
   Total interest income                                    1,113,318       1,043,850
                                                           ----------      ----------
 
INTEREST EXPENSE:
 Interest on deposits                                         537,829         513,168
 Other interest expense                                        25,606           4,833
                                                           ----------      ----------
   Total interest expense                                     563,435         518,001
                                                           ----------      ----------
 
NET INTEREST INCOME:                                          549,883         525,849
Provision for loan losses                                                       6,000
                                                           ----------      ----------
   Net interest income after provision for loan losses        549,883         519,849
                                                           ----------      ----------
 
NON-INTEREST INCOME:
 Loan and other service fees                                   13,942          10,260
 Other, net                                                       611             827
                                                           ----------      ----------
   Total non-interest income                                   14,553          11,087
                                                           ----------      ----------
 
NON-INTEREST EXPENSE:
 Salaries and benefits                                        144,228         133,237
 Federal insurance premium                                      8,850          24,485
 State franchise tax                                           12,274          12,274
 Occupancy expenses, net                                       12,353          10,700
 Data processing expenses                                      10,948          10,571
 Legal fees                                                     4,052          11,353
 Loss on foreclosed real estate                                41,800
 Other operating expenses                                      53,862          74,130
                                                           ----------      ----------
   Total non-interest expense                                 288,367         276,750
                                                           ----------      ----------
Income before income tax expense                              276,069         254,186
Provision for income taxes                                     93,864          87,258
                                                           ----------      ----------
Net income                                                 $  182,205      $  166,928
                                                           ==========      ==========
Earnings per share                                         $     0.21      $     0.18
                                                           ==========      ==========
</TABLE>

         See accompanying notes to consolidated financial statements.

                                       4
<PAGE>
 
                       CKF BANCORP, INC. AND SUBSIDIARY
                     CONSOLIDATED STATEMENTS OF CASH FLOWS
                                  (UNAUDITED)

                             _____________________

<TABLE>
<CAPTION>
                                                           FOR THE THREE-MONTH PERIODS
                                                                ENDED MARCH 31
                                                           ----------------------------
                                                                1997         1996
                                                           -------------  -------------
<S>                                                        <C>            <C> 
CASH FLOWS FROM OPERATING ACTIVITIES:
 Net income                                                  $   182,205   $   166,928
 ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH
  PROVIDED BY OPERATING ACTIVITIES:
  Provision for loan losses                                                      6,000
  Provision for losses on foreclosed real estate                  41,800
  Amortization of loan fees                                       (2,190)       (2,342)
  ESOP benefit expense                                            24,817        25,800
  Provision for depreciation                                       6,713         5,819
  FHLB stock dividend                                             (8,300)       (7,800)
  Amortization of investment premium                                 796         6,662
 Change in:
  Interest receivable                                            (47,306)       34,564
  Other liabilities and federal income taxes payable              (4,277)       46,956
  Prepaid expense                                                   (861)        8,795
  Interest payable                                                 5,068         4,029
                                                             -----------   -----------
   Net cash provided by operating activities                     198,465       295,411
                                                             -----------   -----------
 
CASH FLOWS FROM INVESTING ACTIVITIES:
 Loan originations and principal payment on loans, net          (851,384)   (1,240,859)
 Purchase of office equipment                                                   (4,770)
 Maturity of certificates of deposit                                         1,000,000
 Purchase of securities held-to-maturity                                    (1,017,806)
 Principle repayment on mortgage back securities                  15,063
                                                             -----------   -----------
   Net cash (used) by investing activities                      (836,321)   (1,263,435)
                                                             -----------   -----------
 
CASH FLOWS FROM FINANCING ACTIVITIES:
 Net increase (decrease) in demand deposits, NOW accounts
  and savings accounts                                           305,309     1,224,613
 Net increase (decrease) in certificates of deposit             (284,814)    1,033,099
 Net increase (decrease) in custodial accounts                    32,924
 Proceeds from FHLB advances                                   1,000,000
 Payments on FHLB advances                                        (9,355)       (8,737)
 Dividends paid                                               (1,046,689)     (184,967)
 Purchase of common stock                                         (1,825)     (113,825)
                                                             -----------   -----------
   Net cash provided (used) by financing activities               (4,450)    1,950,183
                                                             -----------   -----------
 
Increase (decrease) in cash and cash equivalents                (642,306)      982,159
Cash and cash equivalents, beginning of period                 2,219,592     2,103,757
                                                             -----------   -----------
Cash and cash equivalents, end of period                     $ 1,577,286   $ 3,085,916
                                                             ===========   ===========
 
Supplemental disclosures of cash flow information:
 Cash paid for income taxes                                  $   119,708   $    74,353
                                                             ===========   ===========
 Cash paid for interest                                      $   558,367   $   513,972
                                                             ===========   ===========
</TABLE>

         See accompanying notes to consolidated financial statements.

                                       5
<PAGE>
 
NOTES TO UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

1.   BASIS OF PRESENTATION

     CKF Bancorp, Inc. (the "Company") was formed in August 1994 at the
     direction of Central Kentucky Federal Savings Bank (the "Bank") to become
     the holding company of the Bank upon the conversion of the Bank from mutual
     to stock form (the "Conversion"). Since the Conversion, the Company's
     primary assets have been the outstanding capital stock of the Bank, 50% of
     the net proceeds of the Conversion, and a note receivable from the
     Company's Employee Stock Ownership Plan ("ESOP"), and its sole business is
     that of the Bank. Accordingly, the consolidated financial statements and
     discussions herein include both the Company and the Bank. On December 29,
     1994, the Bank converted from mutual to stock form as a wholly owned
     subsidiary of the Company. In conjunction with the Conversion, the Company
     issued 1,000,000 shares of its common stock to the public.

     The accompanying unaudited consolidated financial statements have been
     prepared in accordance with generally accepted accounting principles
     ("GAAP") for interim financial information and with the instructions to
     Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not
     include all of the information and footnotes required by GAAP for complete
     financial statements. In the opinion of management, all adjustments
     (consisting of only normal recurring accruals) necessary for fair
     presentation have been included. The results of operations and other data
     for the three month period ended March 31, 1997 are not necessarily
     indicative of results that may be expected for the entire fiscal year
     ending December 31, 1997.

2.   EARNINGS PER SHARE

     Earnings per share for the three month periods ended March 31, 1997 and
     1996 amounted to $0.21 and $0.18 per share, respectively, based on weighted
     average common stock shares outstanding. The weighted average number of
     common shares issued and outstanding for the three month periods ended
     March 31, 1997 and 1996 was 883,608 and 934,170 shares, respectively.

                                       6
<PAGE>
 
3.   REGULATORY CAPITAL

     At March 31, 1997, the Bank's regulatory capital levels exceeded each of
     the three regulatory capital requirements. The following table reconciles
     the Bank's stockholder equity at March 31, 1997 to its regulatory capital
     requirements.

<TABLE>
<CAPTION>
                                                               REGULATORY CAPITAL
                                                    ------------------------------------------
                                                     TANGIBLE        CORE          RISK-BASED        
                                                      CAPITAL       CAPITAL          CAPITAL         
                                                    ----------    ------------     -----------       
                                                                   (In thousands)             
     <S>                                            <C>           <C>              <C>
                                                                                                 
     Stockholder equity                             $   12,682    $    12,682      $   12,682        
       Net unrealized appreciation on investment                                                 
         securities available-for-sale                    (458)          (458)           (458)       
       General allowance for loan losses                     -              -             129        
                                                    ----------    -----------      ----------            
       Regulatory capital                               12,224         12,224          12,353        
       Minimum capital requirement                         896          1,793           2,777        
                                                    ----------    -----------      ----------        
       Excess regulatory capital                    $   11,328    $    10,431      $    9,576        
                                                    ==========    ===========      ==========        
                                                                                                 
     Minimum capital requirement as a                                                            
       percentage of assets                                1.5%           3.0%            8.0%       
     Regulatory capital in excess of minimum                                                     
       capital requirements as a percentage                                                      
        of assets                                         19.2%          17.3%           27.6%/1/  
</TABLE>

____________________________
/1/Based on risk weighted assets.

4.   DIVIDENDS

     A cash dividend of $0.22 per share was paid on February 10, 1997 to
     stockholders of record as of January 28, 1997. A special dividend of $1.00
     per share was paid on February 11, 1997 to stockholders of record as of
     January 29, 1997. The total dividends paid by the Company for the quarter
     ended March 31, 1997 amounted to $1,046,689.

                                       7
<PAGE>
 
ITEM 2:   MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
          RESULTS OF OPERATIONS

FINANCIAL CONDITION

Total assets increased approximately $195,000, or .3%, from $60.0 million at
December 31, 1996 to $60.2 million at March 31, 1997.  The net increase in
assets includes an $854,000, or 1.6%, increase in net loans receivable offset by
a $642,000, or 28.9%, decrease in cash and interest bearing deposits and a
$17,000, or .5%, decrease in investment securities.

The Company's aggregate investment securities portfolio decreased $17,000, or
 .5%, to $3.4 million at March 31, 1997.  Securities classified as available-for-
sale and recorded at market value per SFAS No. 115 decreased $8,000 due solely
to the decrease in the market value of such securities. Securities held-to-
maturity decreased $9,000 due to principle repayments offset by premium
amortization.

Under SFAS No. 115, unrealized gains or losses on securities available-for-sale
are recorded net of deferred income tax as a separate component of stockholders'
equity.  At March 31, 1997, the Company included net unrealized gains of
approximately $458,000 in stockholders' equity.  At December 31, 1996, the
Company included net unrealized gains of approximately $464,000 in stockholders'
equity.  Per SFAS No. 115, such gains or losses will not be reflected as a
charge or credit to earnings until the underlying securities are sold, and then
only to the extent of the amount of gain or loss, if any, actually realized at
the time of sale.

Loans receivable increased by $854,000, or 1.6%, from $53.2 million at December
31, 1996 to $54.0 million at March 31, 1997.  The increase in loans during this
three-month period reflects management's success in loan solicitation, which
included the introduction of consumer auto loans in the first quarter of 1997.

Deposits increased by $20,000, or .1%, to $42.9 million at March 31, 1997.  This
increase reflects the Company's competitively priced product line within the
local market area.


RESULTS OF OPERATIONS FOR THE THREE MONTHS ENDED MARCH 31, 1997 AND 1996

NET INCOME

Net income for the three months ended March 31, 1997 was $182,000 compared to
$167,000 for the corresponding period in 1996, an increase of $15,000, or 9.2%.
The increase resulted primarily from increases in net interest income of $30,000
partially offset by increases in non-interest expense of $12,000.

INTEREST INCOME

Interest income totaled 7.6% of average assets for the quarter ended March 31,
1997 compared to 7.4% for the quarter ended March 31, 1996.  Interest income
increased $69,000, or 6.7%, to $1.1 million for the quarter ended March 31, 1997
from $1.0 million for the quarter ended March 31, 1996.  The increase 

                                       8
<PAGE>
 
     was due to an increase in the effective rate earned on interest-bearing
     assets to 7.6% for the quarter ended March 31, 1997 as compared to 7.4% for
     the quarter ended March 31, 1996, plus an increase in the average earning
     assets of $2.3 million for the quarter ended March 31, 1997 compared to the
     same period in 1996.

     INTEREST EXPENSE

     Interest expense totaled $563,000 and $518,000 for the three months ended
     March 31, 1997 and 1996, respectively. The increase in interest expense of
     $45,000 or 8.8%, for the three months ended March 31, 1997 as compared to
     the same period for 1996 was due to an increase in average interest rates
     paid on deposits from 4.8% to 4.9%, plus an increase of $2.3 million in
     interest bearing liabilities for the quarter ended March 31, 1997 compared
     to the same period in 1996.

     PROVISION FOR LOAN LOSSES

     The Bank established a provision for loan losses of $-0- and $6,000 for the
     three month period ended March 31, 1997 and 1996, respectively. Management
     established the Bank's existing level of its allowance for loan losses
     based upon its analysis of various factors, including the market value of
     the underlying collateral, composition of the loan portfolio, the Bank's
     historical loss experience, delinquency trends and prevailing and projected
     economic conditions in the Bank's market area.

     NON-INTEREST INCOME

     Non-interest income amounted to $15,000 and $11,000 for the three months
     ended March 31, 1997 and 1996, respectively. Non-interest income included
     primarily fees charged in connection with loans and service charges on
     deposit accounts of $14,000 and $10,000 for the three months ended March
     31, 1997 and 1996, respectively.

     NON-INTEREST EXPENSE

     Non-interest expense totaled $288,000 and $276,000 for the three months
     ended March 31, 1997 and 1996, respectively, an increase of $12,000, or
     4.2%, and such expense amounted to 1.9% of average assets for the three
     months ended March 31, 1997 and 1996. The increase was due to an increase
     in salaries and benefits of $11,000 and an increase in the loss on
     foreclosed real estate of $42,000 offset by a decrease of $15,000 in
     federal insurance premiums, a decrease of $7,000 in legal expense and a
     decrease of $19,000 in other operating expenses. The increase of $11,000 in
     salaries and benefits relates mainly to normal salary increases. The
     $42,000 increase in the loss on foreclosed real estate was due to an
     increase in the valuation allowance established by management to reflect
     the fair value of the real estate owned net of estimated selling expenses.
     In April of 1997 management agreed to sell the foreclosed real estate
     property held at March 31, 1997 at a price that approximated carrying value
     after the increase in the valuation allowance. The decrease of $15,000 in
     federal insurance premiums was the result of the reduction of the insurance
     assessment rate on the Bank's deposits after the special assessment on
     September 30, 1996 to recapitalize the Savings Association Insurance Fund.
     The decrease in legal fees of $7,000 was due to special services related to
     employee benefit plans provided in 1996, but not in 1997. Other operating
     expenses decreased $19,000 primarily due to decreases in advertising
     expense and franchise taxes.

                                       9
<PAGE>
 
     INCOME TAXES

     The provision for income taxes for the three months ended March 31, 1997
     and 1996 was $94,000 and $87,000, respectively, which, as a percentage of
     income before income taxes was 34% for both periods.

     NON-PERFORMING ASSETS

     The following table sets forth information with respect to the Bank's non-
     performing assets at the dates indicated. No loans were recorded as
     restructured loans within the meaning of SFAS No. 15 at the dates
     indicated.

<TABLE>
<CAPTION>
                                                     MARCH 31, 1997          DECEMBER 31 1996
                                                     ---------------         -----------------
                                                              (amounts in thousands)                  
<S>                                                  <C>                     <C>
Loans accounted for on a non-accrual basis:(1)                       
 Real Estate:                                                        
    Residential....................................      $       67                $       87
    Commercial.....................................                  
 Consumer..........................................               8  
                                                         ----------                ----------
                                                                     
        Total......................................      $       75                      $ 87
                                                         ==========                ==========
                                                                     
Accruing loans which are contractually past due                      
 90 days or more:                                                    
 Real Estate:                                                        
    Residential....................................             349                       359
    Commercial.....................................                  
 Consumer..........................................               6  
                                                         ----------               -----------
        Total......................................             355                       359
                                                         ==========               ===========
                                                                     
Total of loans accounted for as non-accrual or as                    
 accruing past due 90 days or more.................      $      430               $       446
                                                         ==========               ===========
                                                                     
Percentage of total loans..........................             .79%                      .82%
                                                         ==========               ===========
                                                                     
Other non-performing assets (2)....................      $      185               $       227
                                                         ==========               ===========
                                                                     
Restructured loans.................................      $      274               $       271
                                                         ==========               ===========
</TABLE>

(1)  Non-accrual status denotes any mortgage loan past due 90 days and whose
     loan balance, plus accrued interest exceeds 90% of the estimated loan
     collateral value, and any consumer or commercial loan more than 90 days
     past due. Payments received on a non-accrual loan are either applied to the
     outstanding principal balance or recorded as interest income, or both,
     depending on assessment of the collectibility of the loan.

(2)  Other non-performing assets represent property acquired by the Bank through
     foreclosure or repossession. Such property is carried at the lower of its
     fair market value or the principal balance of the related loan.

                                       10
<PAGE>
 
     During the quarter end March 31, 1997, additional interest income of $5,288
     would have been recorded on loans accounted for on a non-accrual basis if
     the loans had been current throughout the year. Interest on such loans
     actually included in income during the quarter ended March 31, 1997 totaled
     $642.

     At March 31, 1997, there were no loans identified by management, which were
     not reflected in the preceding table, but as to which known information
     about possible credit problems of borrowers caused management to have
     serious doubts as to the ability of the borrowers to comply with present
     loan repayment terms.


     LIQUIDITY AND CAPITAL RESOURCES

     The Bank's principal sources of funds for operations are deposits from its
     primary market area, principal and interest payments on loans, and proceeds
     from maturing investment securities. The principal uses of funds by the
     Bank include the origination of mortgage and consumer loans and the
     purchase of investment securities.

     The Bank is required by current OTS regulations to maintain specified
     liquid assets of at least 5% of its net withdrawable accounts plus short-
     term borrowings. Short-term liquid assets (those maturing in one year or
     less) may not be less than 1% of the Bank's liquidity base. During the
     first quarter of fiscal year 1997, the Bank satisfied all regulatory
     liquidity requirements, and management believes that the liquidity levels
     maintained are adequate to meet potential deposit outflows, loan demand,
     and normal operations.

     The Bank must satisfy three capital standards, as set by the OTS. These
     standards include a ratio of core capital to adjusted total assets of 3.0%,
     a tangible capital standard expressed as 1.5% of total adjusted assets, and
     a combination of core and "supplementary" capital equal to 8.0% of risk-
     weighted assets. The risk-based capital standard currently addresses only
     the credit risk inherent in the assets in a thrift's portfolio and does not
     address other risks that thrifts face, such as operating, liquidity, and
     interest rate risks. The OTS recently finalized regulations that add an
     interest rate risk component to capital requirements under certain
     circumstances. The Bank does not believe that this new regulation will
     require additional capital.

     At March 31, 1997, the Bank had outstanding commitments to originate loans
     totaling $876,000, excluding $661,000 in approved but unused home equity
     lines of credit. Management believes that the Bank's sources of funds are
     sufficient to fund all of its outstanding commitments. Certificates of
     deposits which are scheduled to mature in one year or less from March 31,
     1997 totaled $21.6 million. Management believes that a significant
     percentage of such deposits will remain with the Bank.

                                       11
<PAGE>
 
<TABLE>
<CAPTION>
PART II.    OTHER INFORMATION
<S>         <C>                                                       <C>
Item 1.     LEGAL PROCEEDINGS                                         None
 
Item 2.     CHANGES IN SECURITIES                                     None
 
Item 3.     DEFAULTS UPON SENIOR SECURITIES                           None
 
Item 4.     SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS       None
 
Item 5.     OTHER INFORMATION                                         None

Item 6.     EXHIBITS AND REPORTS ON FORM 8-K
</TABLE> 

            a.   The following Exhibit is filed herewith:
                 Exhibit 27                       Financial Data Schedule


            b.   Form 8-K, Item 5 filed on January 16, 1997 relating to the
                 Company's announcement of the declaration of a cash dividend.

                                       12
<PAGE>
 
                                   SIGNATURES

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


                          CKF BANCORP, INC.

Date:     April 24, 1997  ______________________________________________________
                          John H. Stigall, President and Chief Executive Officer
                          (Duly Authorized Officer)

 


Date:     April 24, 1997  ______________________________________________________
                          Ann L. Hooks, Vice President and Treasurer
                          (Principal Financial and Accounting Officer)

                                       13