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Item 1. Business

     American Bancorp, Inc. (the Company) was incorporated under the laws of the State of Louisiana in 1982. On October 1, 1983, American Bank and Trust Company (the Bank) was reorganized as a subsidiary of the Company. Prior to October 1, 1983, the Company had no material activity. The Company is currently engaged, through its subsidiary, in banking and related business. The Bank is the Company’s principal asset and primary source of revenue.

The Bank

     The Bank, incorporated under the State Banking Laws on August 1, 1958 is in...