Exhibit 99 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 March 20, 1998 ------------------------------------------------ Date of Report (Date of earliest event reported) HARRODSBURG FIRST FINANCIAL BANCORP, INC. ------------------------------------------------------ (Exact name of Registrant as specified in its Charter) Delaware 0-26570 61-1284899 - ---------------------------- ----------------- ------------------------ (State or other jurisdiction (SEC File No.) (IRS Employer ID Number) of incorporation) 104 South Chiles St., Harrodsburg, Kentucky 40330-1620 - ------------------------------------------- ----------------- (Address of principal executive offices) (Zip Code) Not Applicable ------------------------------------------------------------- (Former name or former address, if changed since last Report) HARRODSBURG FIRST FINANCIAL BANCORP, INC. INFORMATION TO BE INCLUDED IN REPORT Item 5. Other Events The Registrant announced that on March 16, 1998, the Board of Directors declared a semiannual cash dividend of $.20 per share to all shareholders of record as of March 31, 1998, payable on April 15, 1998. For further details, reference is made to the Press Release dated March 20, 1998, which is attached hereto as Exhibit 99 and incorporated herein by reference. Item 7. Financial Statements, Pro Forma Financial Information and Exhibits Exhibit 99 -- Press Release dated March 20, 1998 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. HARRODSBURG FIRST FINANCIAL BANCORP, INC. Date: March 20, 1998 By: /s/ Jack D. Hood ----------------------- Jack D. Hood President and Chief Executive Officer [LETTERHEAD OF HARRODSBURG FIRST FINANCIAL BANCORP, INC.] HARRODSBURG FIRST FINANCIAL BANCORP, INC. CASH DIVIDEND Harrodsburg, Kentucky--March 20, 1998, Jack D. Hood, President and Chief Executive Officer of Harrodsburg First Financial Bancorp, Inc. (the "Corporation"), Harrodsburg, Kentucky, the holding company of First Federal Savings Bank of Harrodsburg (the "Bank"), announced today that the Corporation's Board of Directors declared a cash dividend of $.20 per share. The cash dividend will be paid on April 15, 1998, to stockholders of record as of March 31, 1998. Subject to the Corporation's earnings and capital, it is the current intention of the Corporation to continue to pay regular semiannual cash dividends. Mr. Hood indicated that the cash dividend is being paid as a result of the continued profitability of the Corporation and its wholly owned subsidiary, the Bank. The Bank is a federally chartered stock savings bank headquartered in Harrodsburg, Kentucky. The Bank has two full service offices serving Mercer and Anderson Counties, Kentucky. The Bank's deposits are federally insured by the Federal Deposit Insurance Corporation ("FDIC"). The Bank is a community oriented, full service retail savings bank offering traditional loan products. At December 31, 1997, the Corporation had total assets and stockholders equity of $109 million and $20 million, respectively. The Corporation's common stock is quoted on the NASDAQ National Market under the symbol "HFFB".