UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 --------- FORM 10-Q SB (MarkOne) [ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: December 31, 1999 ----------------- OR [ ] TRANSACTION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ____________ Commission file number 0-29687 ------- EAGLE BANCORP - -------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) UNITED STATES OF AMERICA 81-0531318 - ---------------------------------------- ------------------------------ (State or other jurisdiction (I.R.S. employer identification no.) of incorporator or organization) 1400 PROSPECT AVENUE HELENA, MONTANA 59601 ------------------------------------------------------------ (Address of principal executive offices/ZIP Code) Registrant's telephone number, including area code 406-442-3080 ------------ Indicate by check 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 April 3, 2000, there were 0 shares of the Registrant's common stock outstanding. Traditional Small Business Disclosure Format (check one): Yes X No --- --- PART I FINANCIAL INFORMATION Item 1. Financial Statements The Registrant is Eagle Bancorp. It has, as of the date hereof, not conducted any operations has no operating results and will not conduct operations until consummation of the transaction contemplated in the Amended and Restated Plan of Mutual Holding Company Reorganization and Stock Issuance involving Eagle Bancorp and American Federal Savings Bank (the "Bank"), a federally chartered mutual savings bank. Attached hereto as Exhibit 99.1 are the relevant portions of the Thrift Financial Report ("TFR") of the Bank. The portions are incorporated herein by reference. As of December 31, 1999, and the date hereof, the Registrant was in formation, as disclosed in its registration statement on Form SB-2 (Registration No. 333-93077). Upon the consummation of the reorganization of the Bank from its present mutual form to the stock form, the Registrant will become the stock holding company for the Bank and the Registrant's common stock will be held by the public and Eagle Financial MHC, its mutual holding company. As of December 31, 1999, the Bank remained a mutual entity and, as such, its financial information was filed with the OTS on the TFR. Item 2. Management's Discussion and Analysis or Plan of Operation. Not applicable as the reorganization of the Bank has not been consummated as of the dated hereof. PART II OTHER INFORMATION Item 1. Legal Proceedings. None Item 2. Changes in Securities and Use of Proceeds, None Item 3. Default Upon Senior Securities. None Item 4. Submission of Matters to a Vote of Security Holders. None Item 5. Other Information. None Item 6. Exhibits and Reports on Form 8-K (a) Exhibits 99.1 - Portions of Thrift Financial Report of American Federal Savings Bank for the quarter ended 12/31/99 (b) Reports on Form 8-K None SIGNATURES In accordance with the requirements of the Exchange Act, the Registrant causes this Report to be signed on its behalf by the undersigned, thereunto duly authorized. EAGLE BANCORP (In Formation) Dated: April 3, 2000 By: /s/ --------------------- Larry A. Dreyer President and Chief Executive Officer Dated: April 3, 2000 /s/ --------------------- Peter J. Johnson Senior Vice President and Treasurer