0001169743-12-000053.txt : 20120516 0001169743-12-000053.hdr.sgml : 20120516 20120516104138 ACCESSION NUMBER: 0001169743-12-000053 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20120331 FILED AS OF DATE: 20120516 DATE AS OF CHANGE: 20120516 EFFECTIVENESS DATE: 20120516 FILER: COMPANY DATA: COMPANY CONFORMED NAME: M3F, Inc. CENTRAL INDEX KEY: 0001511291 IRS NUMBER: 000000000 STATE OF INCORPORATION: UT FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-14066 FILM NUMBER: 12847573 BUSINESS ADDRESS: STREET 1: 10 EXCHANGE PLACE STREET 2: SUITE 510 CITY: SALT LAKE CITY STATE: UT ZIP: 84111 BUSINESS PHONE: 202-246-9200 MAIL ADDRESS: STREET 1: 10 EXCHANGE PLACE STREET 2: SUITE 510 CITY: SALT LAKE CITY STATE: UT ZIP: 84111 13F-HR 1 M3P_12Q1.txt 1 M313FQ4.txt UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 13F Form 13F COVER PAGE Report for the Calendar Year or Quarter Ended: March 31, 2012 Check here if Amendment [ ]; Amendment Number: This Amendment (Check only one.): [ ] is a restatement. [ ] adds new holdings entries. Institutional Investment Manager Filing this Report: Name: M3F, Inc. Address: 10 Exchange Place, Suite 510 Salt Lake City, UT 84111 Form 13F File Number: 028-14066 The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form. Person Signing this Report on Behalf of Reporting Manager: Name: Jason A. Stock Title: Managing Director Phone: 202-246-9200 Signature, Place, and Date of Signing: /s/ Jason A. Stock Salt Lake City, UT 05/10/12 ------------------ ------------------ ---------- [Signature] [City, State] [Date] Report Type (Check only one.): [X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.) [ ] 13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).) [ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).) List of Other Managers Reporting for this Manager: [If there are no entries in this list, omit this section.] Form 13F File Number Name Form 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 0 ----------- Form 13F Information Table Entry Total: 38 ----------- Form 13F Information Table Value Total: $ 137,721 ----------- (thousands) List of Other Included Managers: Provide a numbered list of the names(s) and Form 13F file numbers(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report. [If there are no entries in this list, state "NONE" and omit the column headings and list entries.] NONE

COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 --------------------------------- -------- ---------- -------- ------------ ------------ --------- ------------------ VOTING TITLE OF VALUE SHS OR SH/ INVESTMENT OTHER AUTHORITY NAME OF ISSUER CLASS CUSIP (x$1000) PRN AMT PRN DISCRETION MANAGERS SOLE SHARED NONE BANCORPSOUTH INC COMMON 059692103 1,125 83,501 SH SOLE 83,501 BANK MUTUAL CORP COMMON 063750103 5,809 1,437,845 SH SOLE 1,437,845 BANKFINANCIAL CORP COMMON 06643P104 9,221 1,392,900 SH SOLE 1,392,900 BCSB BANCORP INC COMMON 055367106 1,440 110,784 SH SOLE 110,784 BENEFICIAL MUTUAL BANCORP INC COMMON 08173R104 10,875 1,244,315 SH SOLE 1,244,315 BSB BANCORP INC COMMON 05573H108 1,983 176,906 SH SOLE 176,906 CALIFORNIA FIRST NATIONAL BANC COMMON 130222102 4,065 264,989 SH SOLE 264,989 CENTRAL BANCORP INC/MA COMMON 152418109 1,137 62,475 SH SOLE 62,475 COLONIAL FINANCIAL SERVICES IN COMMON 19566B101 796 63,695 SH SOLE 63,695 COMERICA INC COMMON 200340107 8,187 253,000 SH SOLE 253,000 COMMUNITY PARTNERS BANCORP COMMON 204018105 2,516 445,229 SH SOLE 445,229 EPLUS INC COMMON 294268107 11,476 358,976 SH SOLE 358,976 FARMERS NATIONAL BANC CORP COMMON 309627107 6,445 993,120 SH SOLE 993,120 FEDFIRST FINANCIAL CORP COMMON 31429C101 1,682 122,310 SH SOLE 122,310 FIRST ADVANTAGE BANCORP COMMON 31848L104 4,954 381,103 SH SOLE 381,103 FIRST OF LONG ISLAND CORP/THE COMMON 320734106 1,280 48,302 SH SOLE 48,302 HERITAGE FINANCIAL GROUP INC COMMON 42726X102 963 81,442 SH SOLE 81,442 HOPFED BANCORP INC COMMON 439734104 2,497 297,928 SH SOLE 297,928 KEARNY FINANCIAL CORP COMMON 487169104 1,275 130,767 SH SOLE 130,767 MALVERN FEDERAL BANCORP INC COMMON 561410101 1,812 232,313 SH SOLE 232,313 MERIDIAN INTERSTATE BANCORP IN COMMON 58964Q104 6,252 476,144 SH SOLE 476,144 METRO BANCORP INC COMMON 59161R101 5,128 438,627 SH SOLE 438,627 MIDDLEBURG FINANCIAL CORP COMMON 596094102 740 47,150 SH SOLE 47,150 NEWPORT BANCORP INC COMMON 651754103 3,411 255,480 SH SOLE 255,480 NORTHRIM BANCORP INC COMMON 666762109 8,137 378,091 SH SOLE 378,091 OBA FINANCIAL SERVICES INC COMMON 67424G101 5,959 418,166 SH SOLE 418,166 OCEAN SHORE HOLDING CO COMMON 67501R103 8,249 711,117 SH SOLE 711,117 OLD POINT FINANCIAL CORP COMMON 680194107 2,282 207,432 SH SOLE 207,432 PACIFIC PREMIER BANCORP INC COMMON 69478X105 3,832 478,986 SH SOLE 478,986 PEAPACK GLADSTONE FINANCIAL CO COMMON 704699107 2,650 196,035 SH SOLE 196,035 PRUDENTIAL BANCORP INC OF PENN COMMON 744319104 225 41,980 SH SOLE 41,980 QCR HOLDINGS INC COMMON 74727A104 611 50,069 SH SOLE 50,069 SOMERSET HILLS BANCORP COMMON 834728107 1,365 165,502 SH SOLE 165,502 SOUTHERN CONNECTICUT BANCORP I COMMON 84264A102 359 196,429 SH SOLE 196,429 SOUTHWEST BANCORP INC/STILLWAT COMMON 844767103 4,222 457,936 SH SOLE 457,936 TERRITORIAL BANCORP INC COMMON 88145X108 3,733 179,370 SH SOLE 179,370 WESTERN LIBERTY BANCORP COMMON 961443108 294 102,506 SH SOLE 102,506 WILLIS LEASE FINANCE CORP COMMON 970646105 193 14,807 SH SOLE 14,807