SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                               -----------------
                                   FORM 10-K/A

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

For the fiscal year ended December 31, 1999

                                       OR

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

For the transition period from _____________________ to ________________

Commission file number            000-23667
                       ----------------------------

                              HOPFED BANCORP, INC.
                              --------------------
             (Exact name of registrant as specified in its charter)
          Delaware                                      61-1322555
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(State or other jurisdiction of            (I.R.S. Employer Identification No.)
incorporation or organization)

2700 Fort Campbell Boulevard, Hopkinsville, KY                  42240
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(Address of principal executive offices)                      (Zip Code)

       Registrant's telephone number, including area code: (270) 885-1171.

        Securities registered pursuant to Section 12(b) of the Act: None.

           Securities registered pursuant to Section 12(g) of the Act:

                     Common Stock, par value $.01 per share
                     --------------------------------------
                                (Title of Class)

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 90 days. YES X NO____

Indicate by check mark if disclosure of delinquent  filers  pursuant to Item 405
of Regulation  S-K is not contained  herein,  and will not be contained,  to the
best of registrant's  knowledge,  in definitive proxy or information  statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [ ]

The  registrant's  voting  stock is  traded  on the  Nasdaq  Stock  Market.  The
aggregate  market  value  of the  voting  stock  held by  non-affiliates  of the
registrant,  computed by reference to the price  ($11.25 per share) at which the
stock was sold on March 31, 2000, was approximately $41,614,819. For purposes of
this  calculation,  the term  "affiliate"  refers to all executive  officers and
directors of the registrant and all stockholders  beneficially  owning more than
10% of the registrant's Common Stock.

As of the  close  of  business  on  March  31,  2000,  3,993,592  shares  of the
registrant's Common Stock were outstanding.

                       Documents Incorporated By Reference

Part II:
Annual Report to Stockholders for the year ended December 31, 1999.

Part III:
Portions  of the  definitive  proxy  statement  for the 2000  Annual  Meeting of
Stockholders.
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                                     PART IV

ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K

     (a)(1) The  following  consolidated  financial  statements  of the  Company
included in the Annual Report to  Stockholders  for the year ended  December 31,
1999,  are  incorporated  herein  by  reference  in Item 8 of this  Report.  The
remaining  information  appearing in the Annual  Report to  Stockholders  is not
deemed to be filed as part of this Report, except as expressly provided herein.

          1.   Independent Auditor's Report.

          2.   Statements of Financial Condition - December 31, 1999 and 1998.

          3.   Statements of Income for the Years Ended December 31, 1999,  1998
               and 1997.

          4.   Statements of Changes in Stockholders' Equity for the Years Ended
               December 31, 1999, 1998 and 1997.

          5.   Statements  of Cash Flows for the Years Ended  December 31, 1999,
               1998 and 1997.

          6.   Notes to Financial Statements.

     (a)(2)  All  schedules  for  which  provision  is  made  in the  applicable
accounting  regulations  of the  Securities  and  Exchange  Commission  are  not
required under the related  instructions or are  inapplicable and therefore have
been omitted.

     (a)(3) The  following  exhibits  either are filed as part of this Report or
are incorporated herein by reference:

          Exhibit No. 2. Plan of  Conversion  of  Hopkinsville  Federal  Savings
          Bank.   Incorporated   herein  by   reference  to  Exhibit  No.  2  to
          Registrant's Registration Statement on Form S-1 (File No. 333-30215).

          Exhibit No. 3.1. Certificate of Incorporation.  Incorporated herein by
          reference to Exhibit No. 3.1 to Registrant's Registration Statement on
          Form S-1 (File No. 333-30215).

          Exhibit No. 3.2. Bylaws.  Incorporated  herein by reference to Exhibit
          No. 3.2 to Registrant's Annual Report on Form 10-K for the fiscal year
          ended December 31, 1998.

          Exhibit No. 10.1.  Employment  Agreements by and between  Hopkinsville
          Federal  Savings  Bank and  Bruce  Thomas,  Peggy R.  Noel and Boyd M.
          Clark.  Incorporated  herein  by  reference  to  Exhibit  No.  10.1 to
          Registrant's Registration Statement on Form S-1 (File No. 333-30215).

          Exhibit No. 10.2. Employment Agreements by and between HopFed Bancorp,
          Inc. and Bruce Thomas,  Peggy R. Noel and Boyd M. Clark.  Incorporated
          herein by reference to Exhibit No. 10.2 to  Registrant's  Registration
          Statement on Form S-1 (File No. 333-30215).

          Exhibit  No.  10.3.  Employment  Agreement  Amendments  by and between
          Hopkinsville  Federal Savings Bank and Bruce Thomas, Peggy R. Noel and
          Boyd M. Clark. Incorporated herein by reference to Exhibit No. 10.3 to
          Registrant's  Annual  Report on Form 10-K for the  fiscal  year  ended
          December 31, 1998.

          Exhibit  No.  10.4.  Employment  Agreement  Amendments  by and between
          HopFed  Bancorp,  Inc.  and  Bruce  Thomas,  Peggy R. Noel and Boyd M.
          Clark.   Incorporated   herein  by   reference   to  Exhibit  10.4  to
          Registrant's  Annual  Report on Form 10-K for the  fiscal  year  ended
          December 31, 1998.

          Exhibit No. 10.5. HopFed Bancorp,  Inc.  Management  Recognition Plan.
          Incorporated  herein by  reference  to  Exhibit  99.1 to  Registration
          Statement on Form S-8 (File No. 333-79391).

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<PAGE>
          Exhibit  No.  10.6.  HopFed  Bancorp,  Inc.  1999 Stock  Option  Plan.
          Incorporated  herein by  reference  to  Exhibit  99.2 to  Registration
          Statement on Form S-8 (File No. 333-79391).

          Exhibit No. 13. Annual Report to Stockholders

          Except for those portions of the Annual Report to Stockholders for the
          year ended December 31, 1999, which are expressly  incorporated herein
          by reference,  such Annual Report is furnished for the  information of
          the Commission and is not to be deemed "filed" as part of this Report.

          Exhibit No. 21. Subsidiaries of the Registrant

          Exhibit No. 23. Consent of Independent Public Accountants

          Exhibit No. 27. Financial Data Schedule (SEC use only)

     (b)  Current  Report on Form 8-K dated November 17, 1999,  reporting  under
          Item 5 the approval of a special cash dividend of $4.00 per share.

          Current  Report on Form 8-K dated December 15, 1999,  reporting  under
          Item 5 the approval of the termination of the Employee Stock Ownership
          Plan, effective December 31, 1999.

     (c)  Exhibits to this Form 10-K are attached or  incorporated  by reference
          as stated above.

     (d)  None.

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<PAGE>
                                   SIGNATURES

     Pursuant  to the  requirements  of  Section  13 or 15(d) of the  Securities
Exchange Act of 1934, the Registrant has duly caused this report to be signed on
behalf by the undersigned, thereunto duly authorized.

                                                  HOPFED BANCORP, INC.
                                                       (Registrant)



Date:  June 19, 2000                              By: /s/ Boyd M. Clark
                                                      -------------------------
                                                      Boyd M. Clark
                                                      Acting President

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