SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20552
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)
April 18, 2000
SKIBO FINANCIAL CORP.
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(Exact name of Registrant as specified in its Charter)
United States 0-25009 25-1820465
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(State or other jurisdiction (File No.) (IRS Employer
of incorporation) Identification
Number)
242 East Main Street, Carnegie, Pennsylvania 15106
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (412) 276-2424
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Not Applicable
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(Former name or former address, if changed since last Report)
SKIBO FINANCIAL CORP.
INFORMATION TO BE INCLUDED IN REPORT
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Item 7. Financial Statements, Pro Forma Financial
Information and Exhibits
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(c) Exhibits.
99 Press Release dated April 18, 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.
SKIBO FINANCIAL CORP.
Date: April 18, 2000 By: /s/ Walter G. Kelly
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Walter G. Kelly
President