U.S. SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 12b-25
NOTIFICATION OF LATE FILING SEC FILE NUMBER
0-23374
CUSIP NUMBER
55272D 10 6
(Check One):
[ ] Form 10-K and Form 10-KSB [ ] Form 20-F [x] Form 11-K
[ ] Form 10-Q and Form-QSB [ ] Form N-SAR
For Period Ended: December 31, 1996
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[ ] Transition Report on Form 10-K
[ ] Transition Report on Form 20-F
[ ] Transition Report on Form 11-K
[ ] Transition Report on Form 10-Q
[ ] Transition Report on Form N-SAR
For the Transition Period Ended:
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Read Attached Instruction Sheet Before Preparing Form. Please Print or
Type.
Nothing in this form shall be construed to imply that the Commission has
verified any information contained herein.
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If the notification relates to a portion of the filing checked above,
indentify the Item(s) to which the notification relates: N/A
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________________________________________________________________________________
Part I -- Registration Information
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Full Name of Registrant MFB Financial Employees' Savings &
Profit Sharing Plan and Trust
Former Name if Applicable N/A
Address of Principal Executive Office (Street and Number) 121 South
Church Street, P.O. Box 528
City, State and Zip Code Mishawaka, Indiana 46546
Part II -- Rules 12b-25 (b) and (c)
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If the subject report could not be filed without unreasonable effort or expense
and the registrant seeks relief pursuant to Rule 12b-25(b), the following should
be completed. (Check box if appropriate).
[X] (a) The reasons described in reasonable detail in Part III could not be
eliminated without unreasonable effort or expense.
(b) The subject annual report, semi-annual report, transition report on
Form 10-K, Form 20-F, 11-K or Form N-SAR, or portion thereof will be
filed on or before the fifteenth calendar day following the prescribed
due date; or the subject quarterly report or transition report on Form
10-Q, or portion thereof will be filed on or before the fifth calendar
day following the prescribed due date; and
(c) The accountant's statement or other exhibit required by Rule
12b-25(c) has been attached if applicable.
Part III --- Narrative
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State below in reasonable detail the reasons why Form 10-K and Form 10-KSB,
20-F, 11-K, 10-Q and Form 10-QSB, N-SAR, or the transition report or portion
thereof could not be filed within the prescribed period.
Registrant was under the impression that the Plan's administrator had
prepared the financial statements referred for the Form 11-K. Shortly before its
due date, the Registrant learned its accounting firm would need to generate the
required information. Such accounting firm was not able to generate the data for
the report in a timely manner. By the time the registrant was made aware of this
development, it was not able to generate the report for timely filing without
unreasonable effort or expense.
Part IV --- Other Information
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(1) Name and telephone number of person to contact in regard to this
notification
Pamela J. Weaver 219 255-3146
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(Name) (Area Code) (Telephone Number)
(2) Have all other periodic reports required under section 13 or 15(d) of the
Securities Exchange Act of 1934 or section 30 of the Investment Company Act of
1940 during the preceding 12 months or for such shorter period that the
registrant was required to file such report(s) been filed? If the answer is no,
identify report(s).
[X] Yes [ ] No
(3) Is it anticipated that any significant change in results of operations from
the corresponding period for the last fiscal year will be reflected by the
earnings statements to be included in the subject report or portion thereof?
[ ] Yes [X] No
If so: attach an explanation of the anticipated change, both narratively
and quantitatively, and, if appropriate, state the reasons why a reasonable
estimate of the results cannot be made.
MFB Financial Employees' Savings & Profit Sharing Plan and Trust has caused
this notification to be signed on its behalf by the undersigned thereunto duly
authorized.
MFB Financial Employees' Savings &
Profit Sharing Plan and Trust
Date: June 30, 1997 By the Plan Committee:
By: /s/ Charles J. Viater
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Charles J. Viater, Committee Member
By: /s/ Pamela J. Weaver
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Pamela J. Weaver, Committee Member