UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K (Mark one) [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED JUNE 30, 1998 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO . COMMISSION FILE NUMBER 333-69053 HIGH COUNTRY BANCORP, INC. SALIDA BUILDING AND LOAN ASSOCIATION 401(k) PROFIT SHARING PLAN & TRUST (Name of Issuer of the securities held pursuant to the Plan) 130 WEST 2ND, P.O. BOX 309 SALIDA, COLORADO 81201 (Address of principal executive offices) (719) 539-2516 (Registrant's telephone number, including area code) REQUIRED INFORMATION ITEM 1. Not applicable ITEM 2. Not applicable ITEM 3. Not applicable ITEM 4. 1997 Return-Report of Employee Benefit Plan (with fewer than 100 participants) prepared in accordance with Section 104(a) (2) (A) of ERISA has been included as Exhibit 1 hereto. EXHIBITS 1 -- 1997 Return-Report of Employee Benefit Plan (with fewer than 100 participants) SIGNATURES THE PLAN Pursuant to the requirements of the Securities Exchange Act of 1934, the Salida Building and Loan 401(k) Profit Sharing Plan & Trust has duly caused this annual report to be signed on its behalf by the undersigned thereunto duly authorized, in the City of Salida, State of Colorado, on the 23rd day of December, 1998 SALIDA BUILDING AND LOAN 401(k) PROFIT SHARING PLAN & TRUST By: /s/ Larry D. Smith ------------------------------ Name: Larry D. Smith Title: Administrator