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                       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) September 27, 1996
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                          COMMISSION FILE NO.: 0-25722


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

Delaware                                                        33-0576146
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(State or other Jurisdiction of Incorporation                (IRS Employer or
organization)                                                Identification No.)

445 E. Florida Avenue, Hemet, California                           92543
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(Address of principal executive offices)                         (Zip Code)

Registrant's telephone number, including area code              (909) 658-4411
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Item 2.  Acquisition or Disposition of Assets
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         On September 27, 1996, HF Bancorp,  Inc.  completed its  acquisition of
Palm Springs Savings Bank, FSB for approximately $16.25 million in cash.

Item 7.   Financial Statements and Exhibits
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         Attached is a copy of the press release  announcing the consummation of
the  acquisition  of Palm Springs  Savings Bank,  FSB by HF Bancorp,  Inc. It is
impracticable at this time to provide the required financial  statements and pro
forma financial  information.  Such statements and information  will be filed as
soon as practicable but no later than 60 days from October 16, 1996.

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                                   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 hereunto duly authorized.

                                          By:      /s/ J. Robert Eichinger
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                                                   J. Robert Eichinger
                                                   President and Chief Executive
                                                   Officer


Dated:  September 27, 1996
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