United States Securities and Exchange Commission
                              Washington, DC 20549

                                  FORM 10 - Q


x  Quarterly report pursuant to Section 13 or 14(d) of the Securities Exchange
   Act of 1934

   For the quarterly period ended    August 3, 1996

                      or

   Transition report pursuant to Section 13 or 15(d) of the Securities Exchange
   Act of 1934

   Commission File Number        33-76282

                          Jos. A. Bank Clothiers, Inc.

   Delaware                    5611                         36-3189198
   (State of other             (Primary Standard            (I.R.S. Employer
   jurisdiction of             Industrial                   Identification
   incorporation or            Classification               Number)
   organization)               Code Number)

   500 Hanover Pike, Hampstead, MD                          21074-2095

                                      none
                       (Former name or former address, if
                           changed since last report)

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 [  ]

Indicate the number of shares of each of the issuer's  classes of common  stock,
as of the latest practicable date:

           Class                            Outstanding as of September 12, 1996

  Common stock. $.01 par value              6,790,152







                          Jos. A. Bank Clothiers, Inc.

                                     Index



Part I.       Financial Information                                                               Page No.
 
     Item 1.          Financial Statements

                      Condensed Consolidated Statements                                              3
                         of Income (Loss)--Three and six months ended
                        August 3, 1996 and July 29, 1995

                      Condensed Consolidated Balance                                                 4
                        Sheets--as of August 3, 1996 and July 29, 1995

                      Condensed Consolidated Statements                                              5
                        of Cash Flows--Six months ended
                        August 3, 1996 and July 29, 1995

                      Notes to Condensed Consolidated                                                6-7
                        Financial Statements

     Item 2.          Management's Discussion and Analysis                                           8-11
                        of Results of Operations and
                        Financial Condition

Part II.              Other Information

     Item 6.          Exhibits and Reports on Form 8-K                                               11

     Signature                                                                                       12



                                      -2-





PART I.       FINANCIAL INFORMATION

     Item 1.          Condensed Consolidated Financial Statements


                 JOS. A. BANK CLOTHIERS, INC. AND SUBSIDIARIES
               Condensed consolidated statements of income (loss)
                      (In thousands except per share data)
                                  (Unaudited)



                                                             Three Months Ended                Six Months Ended

                                                          August 3,          July 29,        August 3,      July 29,
                                                             1996              1995            1996          1995
 
Net sales (Note 1)                                   $      33,770     $      41,271    $      71,116    $     85,694
Costs and expenses:
  Cost of goods sold                                        19,392            24,378           39,057          52,351
  General and administrative                                 4,182             4,293            8,218           9,617
  Sales and marketing                                       11,074            15,022           23,631          32,316

                                                            34,648            43,693           70,906          94,284

Operating  income (loss)                                     (878)           (2,422)              210         (8,590)

Interest expense, net                                           37               840              752           1,562

Income (loss) before provision
     (benefit) for income taxes                              (915)           (3,262)            (542)        (10,152)
 Provision (benefit) for income taxes                        (356)           (1,272)            (211)         (3,959)

Net income (loss)                                           ($559)          ($1,990)           ($331)        ($6,193)

Per share information:
Net income (loss) per share                                ($0.08)           ($0.29)          ($0.05)         ($0.91)

Weighted average number of
  shares outstanding                                         6,790             6,790            6,790           6,790




                             See accompanying notes

                                      -3-





                  JOS. A. BANK CLOTHIERS, INC. AND SUBSIDIARY
                     Condensed consolidated balance sheets
                           (In thousands) (Unaudited)



                                                           August 3,                    February 3,
                                                             1996                          1996
 
ASSETS
Current Assets:
  Cash and cash equivalents                            $       486                  $         644
  Accounts receivable                                        3,901                          3,866
Inventories:
  Raw materials                                              3,935                          5,292
  Work-in-process                                            2,399                          2,331
  Finished goods                                            31,236                         35,650
         Total inventories                                  37,570                         43,273

Prepaid expenses and other
  current assets                                             4,647                          4,333
Deferred and refundable income taxes                         2,600                          5,200
         Total current assets                               49,204                         57,316

Property, plant and equipment,
         at cost                                            47,765                         48,871
Accumulated depreciation and
         amortization                                     (24,728)                       (23,200)
           Net property, plant and equipment                23,037                         25,671

Deferred income taxes                                        4,989                          5,967
Other assets                                                 1,585                          1,717
Total Assets                                           $    78,815                  $      90,671

LIABILITIES AND SHAREHOLDERS' EQUITY

Current Liabilities:
  Accounts payable                                     $     7,564                  $       8,929
  Accrued expenses                                           9,061                         10,896
  Current portion of long-term debt                          1,816                          1,769
         Total current liabilities                          18,441                         21,594

Long-term liabilities                                       25,260                         33,632

         Total liabilities                                  43,701                         55,226

Shareholders' equity:
         Common stock                                           70                             70
         Additional paid-in capital                         56,333                         56,333
         Accumulated deficit                              (19,369)                       (19,038)
                                                            37,034                         37,365

Less treasury stock                                        (1,920)                        (1,920)

         Total shareholders' equity                         35,114                         35,445
Total liabilities and shareholders' equity             $    78,815                  $      90,671


                            See accompanying notes.

                                      -4-



                  JOS. A. BANK CLOTHIERS, INC. AND SUBSIDIARY
                Condensed consolidated statements of cash flows
                           (In thousands) (Unaudited)




                                                                              Six  Months Ended

                                                                        August 3,               July 29,
                                                                          1996                    1995

 
Cash flows from operating activities:
  Net loss                                                        $       (331)             $     (6,193)
Adjustments to reconcile net loss
  to net cash provided by (used in)
  operating activities:
    (Increase) decrease in deferred taxes                                 3,578                   (3,979)
    Depreciation and amortization                                         1,967                     2,321
    Net increase in operating
      working capital                                                     2,617                     1,677

      Net cash provided by (used in) operating activities                 7,831                   (6,174)

Cash flows from investing activities:
  Additions to property, plant and equipment, net                         (193)                   (1,018)
  Proceeds from disposal of assets                                          841                        --

      Net cash flows provided by (used in)                                  648                   (1,018)
      investing activities

Cash flows from financing activities:
  Borrowings (repayments) under long-term revolving loan
    agreement, net                                                      (7,803)                     7,250
  Changes in long-term debt                                               (687)                     (522)
  Payments related to debt financing                                      (147)                     (225)

      Net cash provided by (used in)  financing activities              (8,637)                     6,503

Net decrease in cash and cash equivalents                                 (158)                     (689)

Cash and cash equivalents - beginning of period                             644                       737

Cash and cash equivalents - end of period                         $         486             $          48




                            See accompanying notes.


                                      -5-


                                                    Jos. A. Bank Clothiers, Inc.
                                                        S.E.C. Form 10-Q, 8/3/96


              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
                                  (Unaudited)

1.   BASIS OF PRESENTATION

     Jos. A. Bank Clothiers, Inc. (the Company) is a manufacturer and nationwide
     retailer  of  classic men's clothing through conventional retail stores and
     catalog direct  marketing.   In  1995, the Company discontinued its women's
     product line to concentrate solely  on  its men's business.  Sales from the
     women's product line were $9.5 million  and $17.7  million  in  the  second
     quarter and first six months of 1995, respectively.

     The consolidated  financial  statements include the accounts of the Company
     and its wholly-owned subsidiaries. All  significant  intercompany  balances
     and transactions have been eliminated in consolidation.

     The results of operations for the interim  periods shown in this report are
     not necessarily indicative of results to be  expected  for the fiscal year.
     In the opinion of management, the information contained herein reflects all
     adjustments necessary to make  the results  of operations for  the  interim
     periods  a fair  statement of  such operations.  These adjustments are of a
     normal recurring nature.

     Certain notes and other information have been condensed or omitted from the
     interim  financial  statements  presented  in this Quarterly Report on Form
     10-Q.  Therefore, these financial statements  should be read in conjunction
     with the Company's February 3, 1996 Annual Report on Form 10-K.

2.   SIGNIFICANT ACCOUNTING POLICIES

     Inventories are stated at the lower of first-in, first-out, cost or market.
     The  company  capitalizes into inventories certain warehousing and delivery
     costs associated  with  getting its manufactured and purchased inventory to
     the point of sale.

     Costs related to mail order catalogs and promotional materials are included
     in  prepaid  expenses  and other current assets.  These costs are amortized
     over the expected periods of benefit, not to exceed six months.

     The company  accounts  for income  taxes in  accordance  with  Statement of
     Financial  Accounting Standards No. 109 - Accounting for Income Taxes (SFAS
     109). This standard requires, among other things, recognition of future tax
     benefits,   measured  by  enacted  tax  rates  attributable  to  deductible
     temporary  differences  between financial statement and income tax basis of
     assets and liabilities and to tax net operating loss carryforwards,  to the
     extent that realization of such benefits is more likely than not.





                                      -6-


                                                    Jos. A. Bank Clothiers, Inc.
                                                        S.E.C. Form 10-Q, 8/3/96

     3.       WORKING CAPITAL

     The net change in operating working capital is composed of the following:



                                                                  Six Months Ended
                                                               August 3,      July 29,
                                                                  1996          1995
                                                                    (in thousands)
 
     (Increase) decrease in accounts receivable               $    (35)      $  1,453
     (Increase) decrease in inventories                           5,703       (2,816)
     (Increase) decrease in prepaids and other assets             (172)         2,936
     Increase (decrease) in accounts payable                    (1,365)           927
     (Decrease) in accrued expenses and other liabilities       (1,514)         (823)

     Net increase in operating working capital                $   2,617      $  1,677


4.   FINANCING

     In April 1996,  the Company  extended  its credit  agreement  (the  "Credit
     Agreement")  to April 1999 which  changed the maximum  borrowing  under the
     revolver  facility  to  $38,000,000  and  provides a term loan  facility of
     $2,000,000  payable in monthly  installments  over a five year period.  The
     Credit Agreement also includes financial covenants concerning net worth and
     working capital,  among others, and limitations on capital expenditures and
     additional  indebtedness  and a  restriction  on the payment of  dividends.
     Interest  rates under the amended  agreement  range from prime plus 1.5% to
     prime plus 2.0% or LIBOR plus 3.5%. The amended  agreement also includes an
     early   termination  fee  and  provisions  for  a  seasonal   over-advance.
     Substantially all assets of the Company are collateralized under the Credit
     Agreement.


                                      -7-


                                                    Jos. A. Bank Clothiers, Inc.
                                                        S.E.C. Form 10-Q, 8/3/96

     Item 2.  Management's Discussion and Analysis of Results of Operations and
              Financial Condition

The  following  discussion  should  be read in  conjunction  with  the  attached
condensed  consolidated  financial  statements  and notes  thereto  and with the
Company's  audited  financial  statements  and notes thereto for the fiscal year
ended February 3, 1996.

Overview -  During the quarter and six months ended August 3, 1996, the  Company
continued to  focus  on its core men's business after discontinuing the  women's
business in 1995.  Operating income for the  six months  ended  August  3,  1996
improved $8.8 million to an operating income of $.2  million  from  an operating
loss of $8.6  for  the first  six months  of 1995.   The operating  loss of  $.9
million in the  second  quarter reflects an improvement of $1.5 million compared
to 1995.

This improvement was due  primarily  to  higher maintained margins, higher men's
comparable  store  sales  and  lower  operating  expenses.   The  second quarter
operating  income  was  negatively  impacted  by   a   non-recurring   cost   of
approximately  $.4  million  relating  to  cost  overruns  associated  with  the
manufacturing  of  formal  wear  on  a  contract  basis,  which  the Company has
discontinued.

Results  of  Operations  - The  following  table is derived  from the  Company's
condensed  consolidated  statements  of income  (loss) and sets  forth,  for the
periods indicated,  the items included in the condensed consolidated  statements
of income (loss), expressed as a percentage of net sales.



                                                          Percentage of Net Sales            Percentage of Net Sales
                                                               Quarter Ended                     Six Months Ended
                                                          August 3,        July 29,         August 3,         July 29,
                                                            1996            1995              1996              1995
 
Net Sales                                                  100.0%           100.0%          100.0%           100.0%
Costs of goods sold                                          57.4             59.1            54.9             61.1

Gross profit                                                 42.6             40.9            45.1             38.9
General and administrative expenses                          12.4             10.4            11.6             11.2
Sales and marketing expenses                                 32.8             36.4            33.2             37.7

Operating income (loss)                                     (2.6)            (5.9)             0.3           (10.0)
Interest expense, net                                         0.1              2.0             1.1              1.8

Income (loss) before income taxes                           (2.7)            (7.9)           (0.8)           (11.8)
Provision (benefit) for income taxes
  and related items                                         (1.0)            (3.1)           (0.3)            (4.6)

Net income (loss)                                          (1.7)%           (4.8)%          (0.5)%           (7.2)%



                                     - 8 -


                                                    Jos. A. Bank Clothiers, Inc.
                                                          S.E.C.Form 10-Q 8/3/96

Net  Sales  - Men's  sales  increased  for the  third  straight  quarter.  Men's
comparable store sales increased over the prior year by 5.1% and 6.9% during the
quarter and six months  ended August 3, 1996,  respectively.  Total men's sales,
excluding catalog sales,  increased $2.4 million, or 8.4% during the quarter and
$5.6 million, or 9.6% during the six months ended August 3, 1996 compared to the
prior year.  Total sales  decreased  18.1% to $33.8  million in the quarter from
$41.3  million in 1995 and 17.0% to $71.1  million  during  the six months  from
$85.7 million in 1995.  These decreases were due to the Company's  repositioning
its merchandising to eliminate the women's product line which generated sales of
$9.5  million  and $17.7  million in the second  quarter and first six months of
1995, respectively.

The Company reduced the  number of catalogs mailed to prospects in the first six
months of 1996  compared  to  the prior year to maximize catalog earnings, which
resulted in a $0.4 million  reduction  in  sales  during  the quarter and a $2.5
million  decrease  during  the  six  months  ended  August 3, 1996.  The Company
expects  to  increase  the  circulation  of  catalogs in the second half of 1996
compared to the first half.

Cost of  Goods  Sold - The  operating  results  of the  second  quarter  of 1996
included a non-recurring cost of approximately $.4 million related to production
of formal wear on a contract basis which has been discontinued.  Excluding these
costs,  cost of goods  sold  improved  by 2.9  percentage  points for the second
quarter of 1996 and by 6.8 percentage  points for the six months ended August 3,
1996 compared to the same periods in the prior year. This improvement was due to
the  elimination of the women's  product line and the  improvement of margins in
the continuing men's business.

General  and  Administrative  Expenses  - General  and  administrative  expenses
decreased $.1 million to $4.2 million in the quarter and by $1.4 million to $8.2
million in the six months ended August 3, 1996  compared to 1995.  Approximately
$.7 million of the  decrease  for the first six months was related to  severance
accrued in the first quarter of 1995 for terminated employees.  The remainder of
the  improvement  was due primarily to lower  professional  fees and payroll and
related  expenses  which reflects the Company's  continued  focus on controlling
overhead  costs.  These  reductions  were  partially  offset by higher  employee
relocation expenses.

Sales and Marketing Expenses - Sales and marketing expense continued to decrease
in the second quarter both in dollars and as a percent of sales compared to 1995
due  primarily to the  elimination  of the women's  product line and its related
costs,  the  reduction  of the  number of  catalogs  mailed to  prospects  and a
reduction in advertising  expense  resulting from a shift in strategy  putting a
greater emphasis on direct mail.

Interest Expense -  Interest expense was $0.8  million lower in both the quarter
and  six  months  ended  August  3,  1996  compared to 1995 due primarily to $.6
million  interest  income  related  to  an  income  tax refund received from the
Company's pre-1996 parent and reduced borrowing levels in the second quarter.

                                      -9-



                                                    Jos. A. Bank Clothiers, Inc.
                                                        S.E.C. Form 10-Q, 8/3/96

Income Taxes - The Company has net tax operating  loss  carryforwards  (NOLs) of
approximately $14.7 million which expire through 2011. Realization of the future
tax benefits is dependent on the Company's  ability to generate  taxable  income
within  the  carryforward  period.  Management  has  determined,  based  on  the
Company's  history of prior  operating  earnings  and its  expectations  for the
future, that future operating income of the Company will more likely than not be
sufficient to utilize fully the NOLs prior to their expiration. Accordingly, the
Company has recorded a deferred tax asset of $5.7 million  relating to the NOLs.
No assurance can be given that  sufficient  taxable income will be generated for
full utilization of NOLs.

Liquidity  and  Capital  Resources - Net  working  capital was $30.4  million at
August 3, 1996 compared to $35.7  million at February 3, 1996,  due primarily to
the Company's improved efficiencies in inventory management which has allowed it
to  operate  with  lower  inventory  levels.  The cash  generated  by the  lower
inventory levels was used to pay down the revolving loan, which is a non-current
liability.  At August 3, 1996, the Company had  outstanding  borrowings of $21.1
million  under its  revolving  loan  agreement  as compared to $28.9  million at
February 3, 1996.

The  following  table  summarizes  the  Company's  sources  and uses of funds as
reflected in the condensed consolidated statement of cash flows:

                                                    Six  Months Ended
                                                August 3,         July 29,
                                                  1996              1995

Cash provided by (used in):
         Operating activities                     $  7,831           $(6,174)
         Investing activities                          648            (1,018)
         Financing activities                      (8,637)              6,503
Net decrease in cash and cash equivalents         $  (158)           $  (689)


Cash  provided by the  Company's  operating  activities  was due primarily to an
income tax refund received from its pre-1986  parent and lower inventory  levels
in the first six  months of 1996.  Cash  used in  investing  activities  relates
primarily to continued  consolidation of the Company's tailoring  operations and
improvements  in stores,  net of proceeds  from the sale of one of the Company's
three  manufacturing  plants.  Cash  used in  financing  activities  represented
primarily repayments of the revolving loan.

The Company  expects to increase its rate of capital  expenditures in 1996 as it
continues  its program to reposition  its existing  store base,  which  includes
opening  four new stores in the  fourth  quarter  of 1996 and  relocating  three
stores.




                                     - 10 -




In April,  1996 the Company  extended its Credit  Agreement to April 1999, which
reduced the  financial  covenants and provides for a seasonal  over-advance.  At
September 12, 1996, the Company had outstanding borrowings of $22.7 million with
$7.8  million of  availability  compared  to  borrowings  of $28.9  million  and
availability of $5.5 million at February 3, 1996. The Company  believes that its
current  liquidity and revolving  loan facility will be adequate to maintain its
currently anticipated working capital and investment needs.



PART 2.  OTHER INFORMATION

Not applicable.



                                      -11-




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.

Dated:                   , 1996              Jos. A. Bank Clothiers, Inc.
                                               (Registrant)





                                             David E. Ullman
                                             Executive Vice President and Chief
                                             Financial Officer



                                      -12-