UNITED STATES
                   SECURITIES AND EXCHANGE COMMISSION
                         Washington, D.C. 20549
                                                                           
                                                             OMB APPROVAL
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                                 FORM 15
                                                OMB NUMBER:       3235-0167
                                                Expires: September 30, 1998
                                                Estimated average burden   
                                                hours per response     1.50
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CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) 
OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE
REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.
                                                                         
                                        Commission File Number     000-26510
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                                   NCF Financial Corporation
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                   (Exact name of registrant as specified in its charter)
                                                                         
           106A West John Rowan Boulevard, Bardstown, Kentucky  40004 
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(Address, including zip code, and telephone number, including area code, of
registrant's principal executive offices)
                                                                         
                            Common Stock, par value $0.01 per share
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                 (Title of each class of securities covered by this Form)
                                                                         
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(Titles of all other classes of securities for which a duty to file reports
under section 13(a) or 15(d) remains)
                                                                         
       Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:
                                                                         
           Rule 12g-4(a)(1)(i)  [X]      Rule 12h-3(b)(1)(i)
           Rule 12g-4(a)(1)(ii)          Rule 12h-3(b)(1)(ii)
           Rule 12g-4(a)(2)(i)           Rule 12h-3(b)(2)(i)     
           Rule 12g-4(a)(2)(ii)          Rule 12h-3(b)(2)(ii)
                                         Rule 15d-6     
                                                                         
pproximate number of holders of record as of the certification or notice
date:     Zero
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Pursuant to the requirements of the Securities Exchange Act of 1934, NCF
Financial Corporation has caused this certification/notice to be signed on its
behalf by the undersigned duly authorized person.
                                                                         
Date:    May 7, 1998     By:/s/Danny R. Biggs
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                            Danny R. Biggs, President            
                                                                         
Instruction:  This form is required by Rules 12g-4, 12h-3 and 15d-6 of the
General Rules and Regulations under the Securities Exchange Act of 1934.  The
registrant shall file with the Commission three copies of Form 15, one of
which shall be manually signed.  It may be signed by an officer of the
registrant, by counsel or by any other duly authorized person.  The name and
title of the person signing the form shall be typed or printed under
the signature.