SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934)
Date of Report (Date of earliest event reported): March 15, 2000
ES&L Bancorp, Inc._
(Exact name of registrant as specified in its charter)
Delaware 0-18782 16-1387158
State or other jurisdiction Commission (I.R.S. employer
of incorporation) (file no.) indentification #)
300 West Water Street, Elmira, New York 14901
(Address of principal executive offices) (Zip Code)
Registrant's telephone no. including zip code: 607 733-5533
Not Applicable
(Former name or former address, if changed since last report)
Item 5. Other Events
On March 15, 2000, Brilie Corporation, a subsidiary of the
Registrant, announced that it had entered into a Mortgage Banking
Partnership Agreement with a large real estate brokerage in Elmira,
New York. The partnership will become operational immediately upon receipt
of all required regulatory approvals. The new partnership will operate
separate from the Registrant, its subsidiary, Elmira Savings & Loan, F.A.,
(the Bank) and the Bank's existing mortgage banking subsidiary. For more
information, reference is made to the enclosed press release, dated March
15, 2000, which is attached hereto as Exhibit 99.3, and incorporated herein
by reference.
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits
Exhibits
99.3 Press Release, dated March 15, 2000.
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.
ES&L BANCORP, INC.
DATE: MARCH 15, 2000 BY ____________________
WILLIAM A. McKENZIE
PRESIDENT