U. S. SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 Form 10 - QSB [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2001 [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to ---------------------- ---------------------- Commission File Number 000-49696 RESERVE BANCORP, INC. ------------------------------------------------------ (Exact name of Registrant as specified in its Charter) Pennsylvania 23-3102103 - --------------------------------------------- ------------------------------- (State or other jurisdiction of incorporation (I.R.S. Employer Identification or organization) Number) 2000 Mt. Troy Road, Pittsburgh, Pennsylvania 15212 - ---------------------------------------- ---------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (412) 322-6107 -------------- Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes X No ------------ ------------- As of March 14, 2002, there were no shares of the Registrant's common stock, par value $0.10 per share, outstanding. The Registrant has no other classes of common equity outstanding. Transitional small business disclosure format: Yes X No ------------ ------------ RESERVE BANCORP, INC. AND SUBSIDIARY Pittsburgh, Pennsylvania Index PART I. Page(s) - ------- ------- FINANCIAL INFORMATION - Not Applicable.........................................3 PART II. - -------- OTHER INFORMATION Item 1. Legal Proceedings.................................................4 Item 2. Changes in Securities.............................................4 Item 3. Defaults Upon Senior Securities...................................4 Item 4. Submission of Matters to a Vote of Security Holders...............4 Item 5. Other Information.................................................4 Item 6. Exhibits and Reports on Form 8-K..................................4 Signatures.....................................................................5 2 PART I - NOT APPLICABLE The information as required by Part 1 of the Form 10-QSB has been omitted because the conversion from the mutual to stock form of ownership (the "Conversion"), as described in the Form SB-2 (File no. 333-75212), has not yet occurred. It is anticipated that the Conversion will be completed in late March or early April 2002. 3 OTHER INFORMATION Part II. Item 1. Legal Proceedings ----------------- None Item 2. Change in Securities -------------------- Not Applicable Item 3. Defaults Upon Senior Securities ------------------------------- Not Applicable Item 4. Submission of Matters to a Vote of Security Holders --------------------------------------------------- Not Applicable Item 5. Other Information ----------------- None Item 6. Exhibits and Reports on Form 8-K -------------------------------- 99 Financial Statements of Mt. Troy Savings Bank, FSB No reports on Form 8-K were filed during the quarter ended December 31, 2001. 4 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. RESERVE BANCORP, INC. Date: March 18, 2002 By /s/Richard A. Sinewe -------------------------- -------------------------------- Richard A. Sinewe (President and Director) Date: March 18, 2002 By Robert B. Kastan -------------------------- -------------------------------- Robert B. Kastan (Treasurer/Controller) 5