<PAGE>
<PAGE>
                             FORM 10-QSB

                  SECURITIES AND EXCHANGE COMMISSION
                          Washington, DC 20549



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

            For the quarterly period ended June 30, 1997
            ---------------------------------------------


                Commission File Number:  0-25290
                --------------------------------

                     Twin City Bancorp, Inc.
  --------------------------------------------------------------
    (Exact name of registrant as specified in its charter)

     Tennessee                                     62-1582947
-----------------------                        -----------------
(State of incorporation)                       (I.R.S. Employer 
                                              Identification No.)

310 State Street, Bristol Tennessee                   37620
-----------------------------------------------------------------
(Address of principal executive offices)            (Zip Code)
 
Registrant's telephone number, including area code:(423) 989-4400
                                                   --------------

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 require
ments for the past ninety days: Yes __x__ No ___

As of June 30, 1997, there are 853,484 shares of the registrant's
Common Stock, par value $1.00 per share, issued and 
outstanding.

Transitional small business disclosure format (check one):
Yes _____  No __x__


<PAGE>
<PAGE>                                                            
             TWIN CITY BANCORP, INC. AND SUBSIDIARIES
             ----------------------------------------
                        Bristol, Tennessee
                        ------------------

                              INDEX
                              -----

PART I.  FINANCIAL INFORMATION

 Item 1.  Financial Statements

        Consolidated Balance Sheets - (Unaudited) as of December
        31, 1996 and June 30, 1997

        Consolidated Statements of Income - (Unaudited) for the
        six month and three month periods ended June 30, 1996 
        and 1997

        Consolidated Statements of Cash Flows- (Unaudited) for
        the six month periods ended June 30, 1996 and 1997

        Notes to (Unaudited) Consolidated Financial Statements

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

<PAGE>
<PAGE>

                         TWIN CITY BANCORP, INC.
                             AND SUBSIDIARIES 
                       Consolidated Balance Sheets
                               (unaudited)
                              (in thousands)
<TABLE>
<CAPTION>
                                                                               
                                               December 31,      June 30,
                                                  1996            1997
                                               ------------     ---------
<S>                                             <C>             <C>

Cash and due from banks                         $  920          $ 1,910
Interest-earning deposits                        2,003       1,984
Federal funds                                        -            1,650
Investment securities (amortized cost - 
   $8,351 and $7,819)                            8,354            7,823
Loans receivable, net                           78,177           76,504
Loans held for sale                                 30              149
Mortgage-backed securities (amortized cost - 
   $11,716 and $12,953)                         11,649           12,971
Premises and equipment, net                      1,767            2,218
Real estate, net                                     233               90
Federal Home Loan Bank stock                       671              695
Interest receivable                                378              433
Other                                              859              918
                                              --------         --------
         Total Assets                         $105,041         $107,345
                                              ========         ========
</TABLE>

                     (continued on next page)
<PAGE>
<PAGE>
                         TWIN CITY BANCORP, INC.
                            AND SUBSIDIARIES 
                       Consolidated Balance Sheets
                               (unaudited)
                              (in thousands)
<TABLE>
<CAPTION>
                                                  December 31,    June 30,
                                                     1996          1997
                                                 ------------    --------
<S>                                               <C>            <C>
Liabilities and Stockholders' Equity
------------------------------------

Deposits                                          $85,689        $90,387
Federal Home Loan Bank advances                     5,100          1,000
Advance payments by borrowers for taxes
  and insurance                                       282          1,017
Accrued expenses and other liabilities                313            491
Income taxes payable:
  Current                                               -            219
  Deferred                                            272            431
                                                 --------       --------
         Total Liabilities                         91,656         93,545
                                                 --------       --------
Stockholders' Equity
  Common stock ($1 par value, 8,000,000
   shares authorized; 853,484 shares issued and
   outstanding at December 31, 1996 and 
   June 30, 1997)                                     854            854
Paid-in capital                                     7,134          7,165
Retained earnings, substantially restricted         6,283          6,540
Unearned compensation:
   Employee stock ownership plan                     (575)          (539)
   Management recognition plan                       (271)          (235)
Net unrealized gains (losses) on securities
  available-for-sale, net of income taxes             (40)            15
                                                 --------       --------
         Total Stockholders' Equity                13,385         13,800
                                                 --------       --------
  Total Liabilities and Stockholders' Equity     $105,041       $107,345
                                                 ========       ========
</TABLE>

The accompanying notes are an integral part of these consolidated
financial statements.
<PAGE>
<PAGE>
                         TWIN CITY BANCORP, INC.
                            AND SUBSIDIARIES 
                  Consolidated Statements of Income
                              (unaudited)
                             (in thousands)
<TABLE>
<CAPTION>
                                    Six Months Ended     Three Months Ended
                                         June 30,             June 30,            
                                    -----------------    ------------------
                                    1996         1997    1996          1997
                                    ----         ----    ----          ----
<S>                                 <C>          <C>     <C>           <C>
Interest income:
  Loans                             $3,241      $3,305   $1,631       $1,671
  Mortgage-backed securities           402         442      197          236
  Investment securities                284         243      157          127
  Interest-bearing deposits             76          57       32           35
                                    ------      ------   ------       ------
       Total interest income         4,003       4,047    2,017        2,069
                                    ------      ------   ------       ------
Interest expense:                                                                    
  Deposits                           1,890       2,007      940        1,041
  Federal Home Loan Bank advances       93          71       47           15
                                    ------      ------   ------       ------
    Total interest expense           1,983       2,078      987        1,056
                                    ------      ------   ------       ------
    Net interest income              2,020       1,969    1,030        1,013
Provision for loan losses               50          64       25           42
                                    ------      ------   ------       ------
    Net interest income after
    provision for loan losses        1,970       1,905    1,005          971
                                    ------      ------   ------       ------
Non-interest income:                                                                 
  Loan fees and service charges        148         164       71           81
  Insurance commission and fees         41          28       24           19
  Gain on sale of securities             -          (2)       -           (2)
  Gain on sale of loans                 79         111       33           31
  Income from rental of real estate     65          35       32            3
  Other                                 23          16       16            4
                                    ------      ------   ------       ------
    Total non-interest income          356         352      176          136
                                    ------      ------   ------       ------

Non-interest expense:
  Compensation and employee benefits   729         840      373          425
  Net occupancy expense                115         128       57           63
  Deposit insurance premiums            95          28       48           14
  Data processing                      100         108       48           52
  Provision for real estate losses      30          10       15            -
  Other                                302         295      165          119
                                    ------      ------   ------       ------
    Total non-interest expense       1,371       1,409      706          673
                                    ------      ------   ------       ------
    Income before income taxes         955         848      475          434
Income tax expense                     362         336      179          173
                                    ------      ------   ------       ------
   Net income                       $  593      $  512   $  296       $  261
                                    ======      ======   ======       ======

Dividends paid per share            $ 0.46      $ 0.32   $ 0.31       $ 0.16
                                    ======      ======   ======       ======
</TABLE>

The accompanying notes are an integral part of these consolidated
financial statements.
<PAGE>
<PAGE>
                         TWIN CITY BANCORP, INC.
                            AND SUBSIDIARIES 
                Consolidated Statements of Cash Flows
                               (unaudited)
                              (in thousands)
<TABLE>
<CAPTION>
                                                    Six Months Ended
                                                         June 30,
                                                   -----------------
                                                   1996         1997
                                                   ----         ----
<S>                                                <C>          <C>
Net cash provided (used) by
   operating activities                            $     532   $    956
                                                   ---------   --------
Cash flows from investing activities:
  Purchase of investment securities 
    classified as available-for-sale                  (1,972)    (1,994)
  Maturities of investment securities                  1,000      2,525
  Purchase of certificates of deposit                    (98)         -
  Maturities of certificates of deposit                   98          -
  Principal payments on mortgage-backed
    securities                                         1,062      1,383
  Purchase of mortgage-backed securities
    classified as available-for-sale                  (1,526)      (875)
  Proceeds from sale of mortgage-backed
    securities                                             -        422
  Increase in cash surrender value of
    life insurance                                        (1)        (3)
  Proceeds from sale of real estate                        -        461
  Net decrease (increase) in loans originated           (906)       583
  Purchase of loans                                   (1,082)    (1,387)
  Purchase of premises and equipment                     (30)      (528)
                                                   ---------   --------
Net cash provided (used) by 
  investing activities                                (3,455)       587
                                                   ---------   --------
Cash flows from financing activities:
  Net increase (decrease) in deposits                   (320)     4,698
  Increase in advance payments by borrowers
    for taxes and insurance                              668        735
  Proceeds from FHLB advances                          1,400      9,750
  Repayment of FHLB advances                            (900)   (13,850)
  Dividends paid                                        (382)      (255)
  Acquisition of treasury stock                          (31)         -
                                                   ---------   --------
Net cash provided (used) by
    financing activities                                 435      1,078
                                                   ---------   --------
Net increase (decrease) in cash                       (2,488)     2,621

Cash at beginning of year                              4,909      2,923
                                                   ---------   --------
Cash at end of the quarter                         $   2,421   $  5,544
                                                   =========   ========
</TABLE>

                     (continued on next page)
<PAGE>
<PAGE>
                         TWIN CITY BANCORP, INC.
                            AND SUBSIDIARIES 
                Consolidated Statements of Cash Flows
                               (unaudited)
                              (in thousands)
<TABLE>
<CAPTION>
                                                    Six Months Ended
                                                         June 30,
                                                   -----------------
                                                   1996         1997
                                                   ----         ----
<S>                                                <C>          <C>
Supplemental disclosures:                                  

Noncash investing and financing activities:
  Loans sold in exchange for mortgage-backed
    securities                                    $    --      $ 2,183
                                                  =======      =======
  Unrealized gain (loss) on securities 
    available-for-sale                            $  (175)     $    55
                                                  =======      =======
                                                           
Cash paid during the period for:                           
  Interest                                       $  1,995     $  2,077
                                                 ========     ========
  Income taxes (net of refunds)                  $    250     $      8
                                                  =======      =======
</TABLE>

The accompanying notes are an integral part of these consolidated
financial statements.<PAGE>
<PAGE>
                       TWIN CITY BANCORP, INC.
                          AND SUBSIDIARIES 

    NOTES TO (UNAUDITED) CONSOLIDATED FINANCIAL STATEMENTS

Note 1.  -  Basis of Presentation and Principals of Consolidation
            -----------------------------------------------------
The accompanying unaudited consolidated financial statements have
been prepared in accordance with generally accepted accounting
principles for interim financial information and in accordance
with the instructions to Form 10-QSB.  Accordingly, they do not
include all of the disclosures required by generally accepted
accounting principles for complete financial statements.  These
consolidated financial statements include the accounts of Twin
City Bancorp, Inc. and its subsidiary, Twin City Federal Savings
Bank, and the Bank's wholly owned subsidiaries, TCF Investors,
Inc. and Magnolia Investment, Inc., and in consolidation all
significant intercompany items are eliminated.  In the opinion of
management, all adjustments necessary for a fair presentation of
the results of operations for the interim periods presented have
been made.  Such adjustments were of a normal recurring nature. 
The results of operations for the interim periods are not
necessarily indicative of the results that may be expected for
the entire fiscal year.

Note 2. -  Cash Flow Information
           ---------------------
As presented in the consolidated statements of cash flows, cash
and cash equivalents include cash on hand, interest-earning
deposits in other banks, and federal funds sold.  The Company
considers all highly liquid instruments with original maturities
of three months or less to be cash equivalents.

Note 3. -   Retained Earnings, Substantially Restricted
            -------------------------------------------
Retained earnings represents the accumulated net income of the
Company since its origination date.  In connection with the
insurance of savings accounts for the Bank, the Federal Deposit
Insurance Corporation (FDIC) requires that certain minimum
amounts be restricted to absorb certain losses as specified in
the insurance of accounts regulations.  Because restricted
retained earnings is not related to amounts of losses actually
anticipated, the appropriations thereto have not been charged to
income in the accompanying consolidated financial statements. 
Furthermore, the use of retained earnings by the Bank is
restricted by certain requirements of the Internal Revenue Code. 
There are further restrictions on retained earnings directed by
the Office of Thrift Supervision where by the Bank is subject to
maintain a minimum amount of regulatory capital as well as a
liquidation account for the benefit of eligible account holders
who continue to maintain their accounts at the Bank after the
conversion.

Note 4. -  Stock Option Plan
           -----------------
In 1995, the Company adopted a stock option plan for the benefit
of directors, officers, and other key employees of the Company. 
The number of shares of common stock reserved for issuance under
the stock option plan was equal to 10% of the total number of
common shares issued pursuant to the Company's offering.  The
plan provides for incentive options for officers and employees
and non-incentive options for directors.  The plan is
administered by a committee of at least three directors of the
Company.  The option exercise price cannot be less than the fair
value of the underlying common stock as of the date of the option
grant, and the maximum option term cannot exceed ten years.  The
number of shares of common stock authorized under the stock
option and incentive plan was 89,840. As of June 30, 1997, 22,460
non-incentive stock options have been granted to directors and
become exercisable on a cumulative basis in equal installments
over a five year period.  The incentive stock options awarded to
officers and other key employees totalled 64,988 at June 30, 1997
with 62,888 becoming exercisable on a cumulative basis in equal
installments over a five year period, and 2,100 exercisable upon
the date of option grant.  As of June 30, 1997, 87,448 options
have been granted, of which none have been exercised.  Options
totaling  
<PAGE>
                TWIN CITY BANCORP, INC.
                    AND SUBSIDIARIES
                            
 NOTES TO (UNAUDITED) CONSOLIDATED FINANCIAL STATEMENTS

85,348 were granted with an exercise price of $14 per share,
1,500 were granted with an exercise price of $16.875 per share
and the remaining 600 at $17.50 per share.  As of June 30, 1997,
36,239 options are excercisable.

Note 5. -  Management Recognition Plan
           ---------------------------
In 1995, the Company established a management recognition plan
("MRP") under which 35,936 shares of common stock were awarded to
participants.  The  plan share awards were granted to certain
employees and officers of the Company who began vesting on May
24, 1996 and be fully vested on May 24, 2000.  The number of
shares awarded to certain employees and officers was 35,936. 
Compensation expenses, in the amount of the fair value of the
common stock at the date plan shares are purchased, will be
recognized during the periods the participants become vested.  As
of June 30, 1997, 29,208 shares of common stock had been
purchased to fund the MRP and the remaining 6,728 shares will be
purchased over the remaining vesting period.  The unamortized
balance of unearned compensation is reflected as a reduction of
stockholders' equity.  For the six months and quarter ended June
30, 1997, $61,000 and $31,000 have been recognized as
compensation expense, respectively.

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

     The Company's total consolidated assets increased $2.3
million, or 2.2% to $107.3 million at June 30, 1997 from $105.0
million at December 31, 1996.  Interest-earning deposits and
federal funds increased $1.6 million as the Company has
experienced an increase in net cash flows.  Net loans receivable
decreased $1.7 million or 2.1% from $78.2 million at December 31,
1996 to $76.5 million at June 30, 1997.  The Company originated
115 mortgage loans during the six months ended June 30, 1997 as
compared to 170 originations during the six months ended June 30,
1996.  The decrease in 1997 over 1996 was due to a general
increase in the prevailing market rates for the Company's
mortgage products in the first quarter of 1997.  The Company has
sold the majority of its fixed-rate originations during the six
months ended June 30, 1997 to the Federal Home Loan Mortgage
Corporation (FHLMC), servicing retained and without recourse. 
Total real estate loans amounted to $51.9 million at June 30,
1997 as compared to $53.6 million at December 31, 1996. 
Consumer/commercial loans remained constant with $26.1 million at
December 31, 1996 and $26.1 million at June 30, 1997.  The
Company's portfolio of investment securities decreased $531,000
or 6.4% from $8.4 million at December 31, 1996 to $7.8 million at
June 30, 1997.  The Company's portfolio of mortgage-backed
securities increased $1.4 million or 11.4% from $11.6 million at
December 31, 1996 to $13.0 million at June 30, 1997.  The
Company's investment in premises and equipment, net of
accumulated depreciation increased $451,000 or 25.5% from $1.8
million at December 31, 1996 to $2.2 million at June 30, 1997. 
During the six months ended June 30, 1997, the Company began
extensive improvements to its Volunteer Parkway branch in
Bristol, Tennessee.  The interior of the branch is being upgraded
along with an expansion of the under-roof-area.  Improvements to
traffic circulation and an increase in the number of drive-
through lanes, and the installation of an automatic teller
machine are also underway.  More funds will be appropriated
toward the completion of the renovations over the next few
quarters.  Management believes that these renovations will result
in improved customer service and convenience and will not have an
adverse material effect to the Company's financial condition or
results of operations.  Real estate, net decreased $143,000 from
$233,000 at December 31, 1996 to $90,000 at June 30, 1997.  The
decrease was primarily attributable to the sale of the Company's
commercial office building in Knoxville, Tennessee for a gross
sales price of $250,000 and accordingly, the Company recognized a
gain on the sale of the building of approximately $17,000. 

<PAGE>
     Deposits increased $4.7 million or 5.5% from $85.7 million
at December 31, 1996 to $90.4 million at June 30, 1997.  During
the quarter ended June 30, 1997, the Company secured governmental
deposits of approximately $4.4 million.  Subsequently, Federal
Home Loan Bank advances decreased $4.1 million at June 30, 1997
from December 31, 1996.

     Total stockholders' equity has increased $415,000, or 3.1%
from $13.4 million at December 31, 1996 to $13.8 million at June
30, 1997.  The Company posted net income of $512,000 for the six
months ended June 30, 1997 while paying dividends totaling $0.32
per share of common stock outstanding, or $255,000.  During the
six months ended June 30, 1997, management pursued further
funding for the Company's Management Recognition Plan (MRP) by
purchasing 1,300 shares of common stock at a total purchase price
of $25,000, while recognizing an expense of $61,000 resulting in
a net decrease of $36,000 in unearned compensation for the MRP. 
The Company, in accordance with SFAS No. 115, has classified its
entire portfolio of investment and mortgage-backed securities as
available-for-sale.  Net unrealized gains and losses on
securities available-for-sale are reported as a component of
stockholders' equity.  At June 30, 1997, the Company reported net
unrealized gains on securities available-for-sale, net of income
taxes, of $15,000 as compared to net unrealized losses on
securities available-for-sale, net of income taxes, of $40,000 at
December 31, 1996.

     Net interest income for the six months ended June 30, 1997
decreased $51,000 from the six months ended June 30, 1996, and
for the three months ended June 30, 1997 decreased $17,000 as
compared to the three months ended June 30, 1996.  The decreases
were primarily attributable to a decrease in the interest rate
spread which decreased from 3.61% for the six months ended June
30, 1996 to 3.45% for the six months ended June 30, 1997 and
decreased from 3.66% for the three months ended June 30, 1996 to
3.52% for the three months ended June 30, 1997.  The net interest
margin decreased from 4.14% for the six months ended June 30,
1996 to 3.92% for the six months ended June 30, 1997 and
decreased from 4.19% for the three months ended June 30, 1996 to
3.99% for the three months ended June 30, 1997.  The average
yield on interest-earning assets decreased 15 basis points from
8.21% for the six months ended June 30, 1996 to 8.06% for the six
months ended June 30, 1997 and decreased 4 basis points from
8.20% for the three months ended June 30, 1996 to 8.16% for the
three months ended June 30, 1997. The average cost on interest-
bearing liabilities increased from 4.60% for the six months ended
June 30, 1996 to 4.61% for the six months ended June 30, 1997 and
increased from 4.54% for the three months ended June 30, 1996 to
4.64% for the three months ended June 30, 1997.  The average
balance of interest-earning assets was $97.5 million for the six
months ended June 30, 1996 as compared to $100.4 million for the
six months ended June 30, 1997 and was $98.3 million for the
three months ended June 30, 1996 as compared to $101.5 million
for the three months ended June 30, 1997.  The average balance of
interest-bearing liabilities was $86.2 million for the six months
ended June 30, 1996 as compared to $90.2 million for the six
months ended June 30, 1997 and was $87.0 million for the three
months ended June 30, 1996 as compared to $91.1 million for the
three months ended June 30, 1997.

     The provisions for loan losses amounted to $50,000, $64,000,
$25,000 and $42,000 for the six months and three months ended
June 30, 1996 and 1997, respectively.  At June 30, 1997,
management reviewed the allowance for loan losses in relation to
the Company's performance with past collections and charge offs,
management's experience with the loan portfolio, and observations
of the general economic climate and loan loss expectations.  From
this review and analysis and based on management's experience and
judgement in managing the loan portfolio, it was determined that
the allowance for loan losses needed to be $220,000 and therefore
a $42,000 provision was recorded for the quarter ended June 30,
1997.  At June 30, 1997 the allowance represented 259% of total
loans past due more than ninety days.
<PAGE>
<PAGE>       
    Non-interest income decreased $4,000 from $356,000 for the
six months ended June 30, 1996 to $352,000 for the six months
ended June 30, 1997 and decreased $40,000 from $176,000 for the
three months ended June 30, 1996 to $136,000 for the three months
ended June 30, 1997.  For the six months ended June 30, 1997 loan
fees and service charges amounted to $164,000 as compared to
$148,000 for the six months ended June 30, 1996 and amounted to
$81,000 for the three months ended June 30, 1997 as compared to
$71,000 for the three months ended June 30, 1996.  Gain on the
sale of fixed-rate mortgage loans to the FHLMC recognized for the
six months ended June 30, 1996 was $79,000 as compared to
$111,000 for the six months ended June 30, 1997 and was $33,000
for the three months ended June 30, 1996 as compared to $31,000
for the three months and June 30, 1997.  Insurance commission and
fees was $28,000 for the six months ended June 30, 1997 as
compared to $41,000 for the six months ended June 30, 1996 and
was $19,000 for the three months ended June 30, 1997 as compared
to $33,000 for the three months ended June 30, 1996.  Income from
rental of real estate amounted to $35,000 for the six months
ended June 30, 1997 as compared to $65,000 for the six months
ended June 30, 1996 and $3,000 for the three months ended June
30, 1997 as compared to $32,000 for the three months ended June
30, 1996.  

     Non-interest expense for the six months ended June 30, 1997
was 2.67% of average assets as compared to 2.69% for the six
months ended June 30, 1996.  Non-interest expense increased
$38,000 from the six months ended June 30, 1996 to the six months
ended June 30, 1997, and decreased $33,000 from $706,000 for the
three months ended June 30, 1996 to $673,000 for the three months
ended June 30, 1997.  Compensation and employee benefits
increased $111,000 from $729,000 for the six months ended June
30, 1996 to $840,000 for the six months ended June 30, 1997 and
increased $52,000 from $373,000 for the three months ended June
30, 1996 to $425,000 for the three months ended June 30, 1997. 
The increase for the three and six month periods were a direct
result of normal salary and wage increases and the recognition of
additional compensation from the cost of the Company's MRP. 
Deposit insurance premiums decreased $67,000 from $95,000 for the
six months ended June 30, 1996 to $28,000 for the six months
ended June 30, 1997 and decreased $34,000 from $48,000 for the
three months ended June 30, 1996 to $14,000 for the three months
ended June 30, 1997.  Data processing increased $8,000 from
$100,000 for the six months ended June 30, 1996 to $108,000 for
the six months ended June 30,1997.  Other expense decreased
$7,000 from $302,000 for the six months ended June 30, 1996 to
$295,000 for the six months ended June 30, 1997 and decreased
$46,000 from $165,000 for the three months ended June 30, 1996 to
$119,000 for the three months ended June 30, 1997 as management
has attempted to control its miscellaneous costs of doing
business in recent years.
<PAGE>
<PAGE>

                PART II. OTHER INFORMATION
                         -----------------

Item 1.  Legal Proceedings
         -----------------

    From time to time, the Company and any subsidiaries may be a
party to various legal proceedings incident to its or their
business.  At June 30, 1997, there were no legal proceedings to
which the Company or any subsidiary was a party, or to which of
any of their property was subject, which were expected by
management to result in a material loss.

Item 2.  Changes in Securities
         ---------------------

         None

Item 3. Defaults Upon Senior Securities
        -------------------------------

        None

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

        On May 23, 1997, the registrant held its annual meeting
        of stockholders.  At the meeting, the following director
        was elected by the stockholders to serve for a three year
        term:
<TABLE>
<CAPTION>
                                 Votes                            
                        -----------------------                    Broker
                        For            Withheld   Absententions    Non-Votes
                        ---            --------   -------------    ---------   
     <S>                <C>             <C>         <C>            <C>
     Paul R. Wolford    592,233          1,350          -              -
</TABLE>



Item 5.  Other Information
         -----------------      

         None

                    (continued on next page.)
<PAGE>
<PAGE>

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

        The following exhibits are filed as a part of this report:

       3.1 (1)    Charter of Twin City Bancorp, Inc.
       3.2 (1)    Bylaws of Twin City Bancorp, Inc.
       4   (1)    Form of Common Stock Certificate
      10.1 (1)(2) Twin City Bancorp, Inc. Incentive Compensation Plan,
                     as amended
      10.2(1)     Twin City Bancorp, Inc. Deferred Compensation Plan
     10.3 (3)     Employment Agreements between Twin City Bancorp, Inc.
                     and Twin City Federal Savings Bank and Thad R. Bowers
     10.4 (3)     Severance Agreements between Twin City Bancorp, Inc. and
                     Twin City Federal Savings Bank and Brenda N. Baer, Judith
                     O. Bowers, Robert C. Glover, Michael H. Phipps, Joyce C.
                     Rouse and John M. Wolford
     10.5 (1)     Twin City Federal Savings Bank Supplemental Executive
                     Retirement Agreement
     10.6 (3)     Twin City Bancorp, Inc. 1995 Stock Option and Incentive Plan
     10.7 (3)     Twin City Bancorp, Inc. Management Recognition Plan
     27           Financial Data Schedule
___________
(1) Incorporated by reference to Company's Registration on 
    Form S-1 No.33-84196
(2) Incorporated by reference to Company's Quarterly Report on 
    Form 10-QSB for the fiscal quarter ended September 30, 1995
(3) Incorporated by reference to Company's Quarterly Report on Form 10-QSB 
    for the fiscal quarter ended March 31, 1995

The Corporation did not file a current report on Form 8-K during the quarter
covered by this report.

<PAGE>
<PAGE>

                           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.




Date: ______, 1997        By /s/ Thad R. Bowers
                          -----------------------------
                          Thad R. Bowers
                          President and Chief Executive Officer
                          (Principal Executive and Financial
                          Officer) 



Date: ______, 1997        By /s/ Albert Joseph Vance, II
                          -----------------------------
                          Albert Joseph Vance, II
                          Assistant Treasurer
                          (Principal Accounting Officer)