SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
SCHEDULE 13G
UNDER THE SECURITIES EXCHANGE ACT OF 1934
(AMENDMENT NO. ___________)*
STURGIS BANCORP, INC.
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(Name of Issuer)
COMMON STOCK
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(Title of Class of Securities)
864087101
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(CUSIP Number)
MARCH 4, 2002
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(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this
Schedule is filed:
[ ] Rule 13d-1(b)
[X] Rule 13d-1(c)
[ ] Rule 13d-1(d)
*The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject class of
securities, and for any subsequent amendment containing information which would
alter the disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not
be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange
Act of 1934 ("Act") or otherwise subject to the liabilities of that section of
the Act, but shall be subject to all other provisions of the Act (however, see
the Notes).
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1 Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only)
RAYMOND H. DRESSER. JR.; GRETCHEN M. DRESSER
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2 Check the Appropriate Box if a Member of a Group (a) [ ]
(See Instructions) (b) [X]
RAYMOND H. DRESSER. JR.; GRETCHEN M. DRESSER
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3 SEC Use Only
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4 Citizenship or Place of Organization
UNITED STATES
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Number of
5 Sole Voting Power
RAYMOND H. DRESSER, JR. -- 98,175 SHARES
Shares (INCLUDES 975 SHARES OF UNEXERCISED OPTIONS);
GRETCHEN M. DRESSER -- 52,600 SHARES
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Beneficially 6 Shared Voting Power
0
RAYMOND H. DRESSER, JR.; GRETCHEN M. DRESSER
Owned by -----------------------------------------------------
7 Sole Dispositive Power
RAYMOND H. DRESSER, JR. -- 98,175 SHARES
Each (INCLUDES 975 SHARES OF UNEXERCISED OPTIONS);
GRETCHEN M. DRESSER -- 52,600 SHARES
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Reporting 8 Shared Dispositive Power
0
RAYMOND H. DRESSER, JR.; GRETCHEN M. DRESSER
Person With
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9 Aggregate Amount Beneficially Owned by Each Reporting Person
RAYMOND H. DRESSER, JR. -- 150,775 SHARES (INCLUDES 975 SHARES OF
UNEXERCISED OPTIONS);
GRETCHEN M. DRESSER -- 150,775 SHARES (INCLUDES 975 SHARES OF
UNEXERCISED OPTIONS)
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10 Check if the Aggregate Amount in Row (9) Excludes Certain Shares [ ]
(See Instructions)
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11 Percent of Class Represented by Amount in Row (9)
RAYMOND H. DRESSER, JR. -- 5.05%;
GRETCHEN M. DRESSER -- 5.05%
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12 Type of Reporting Person (See Instructions)
RAYMOND H. DRESSER, JR. -- IN;
GRETCHEN M. DRESSER -- IN
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ITEM 1.
(a) Name of Issuer: STURGIS BANCORP, INC.
(b) Address of Issuer's Principal Executive Offices: 125 EAST CHICAGO
RD., STURGIS, MICHIGAN 49091
ITEM 2.
(a) Name of Person Filing: RAYMOND H. DRESSER, JR.; GRETCHEN M.
DRESSER
(b) Address of Principal Business Office or, if none, Residence: 215
HARAL AVE., STURGIS, MI 49091
(c) Citizenship: UNITED STATES
(d) Title of Class of Securities: COMMON STOCK
(e) CUSIP Number: 864087101
ITEM 3. IF THIS STATEMENT IS FILED PURSUANT TO SS. SS.240.13D-1(B) OR
240.13D-2(B) OR (C), CHECK WHETHER THE PERSON FILING IS A: NOT
APPLICABLE
(a) [ ] Broker or dealer registered under section 15 of the Act (15
U.S.C. 78o).
(b) [ ] Bank as defined in section 3(a)(6) of the Act (15 U.S.C.
78c).
(c) [ ] Insurance company as defined in section 3(a)(19) of the Act
(15 U.S.C. 78c).
(d) [ ] Investment company registered under section 8 of the
Investment Company Act of 1940 (15 U.S.C 80a-8).
(e) [ ] An investment adviser in accordance with ss.240.13d-1(b)(1)
(ii)(E);
(f) [ ] An employee benefit plan or endowment fund in accordance with
ss.240.13d-1(b)(1)(ii)(F);
(g) [ ] A parent holding company or control person in accordance with
ss. 240.13d-1(b)(1)(ii)(G);
(h) [ ] A savings associations as defined in Section 3(b) of the
Federal Deposit Insurance Act (12 U.S.C. 1813);
(i) [ ] A church plan that is excluded from the definition of an
investment company under section 3(c)(14) of the Investment
Company Act of 1940 (15 U.S.C. 80a-3);
(j) [ ] Group, in accordance with ss.240.13d-1(b)(1)(ii)(J).
ITEM 4. OWNERSHIP.
Provide the following information regarding the aggregate number and percentage
of the class of securities of the issuer identified in Item 1.
(a) Amount beneficially owned: RAYMOND H. DRESSER, JR.--150,775
SHARES (INCLUDES 975 SHARES OF UNEXERCISED OPTIONS); GRETCHEN M.
DRESSER--150,775 SHARES (INCLUDES 975 SHARES OF UNEXERCISED
OPTIONS)
(b) Percent of class: RAYMOND H. DRESSER, JR.--5.05%; GRETCHEN M.
DRESSER--5.05%
(c) Number of shares as to which the person has:
(i) Sole power to vote or to direct the vote: RAYMOND H.
DRESSER, JR.--98,175 SHARES (INCLUDES 975 SHARES OF
UNEXERCISED OPTIONS); GRETCHEN M. DRESSER--52,600 SHARES
(ii) Shared power to vote or to direct the vote: 0--RAYMOND H.
DRESSER, JR. AND GRETCHEN M. DRESSER
(iii) Sole power to dispose or to direct the disposition of:
RAYMOND H. DRESSER, JR.--98,175 SHARES (INCLUDES 975
SHARES OF UNEXERCISED OPTIONS); GRETCHEN M.
DRESSER--52,600 SHARES
(iv) Shared power to dispose or to direct the disposition of:
0--RAYMOND H. DRESSER, JR. AND GRETCHEN M. DRESSER
ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS
If this statement is being filed to report the fact that as of the date hereof
the reporting person has ceased to be the beneficial owner of more than five
percent of the class of securities, check the following [ ].
ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER PERSON.
NOT APPLICABLE
ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED THE
SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY
NOT APPLICABLE
ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP
NOT APPLICABLE
ITEM 9. NOTICE OF DISSOLUTION OF GROUP
NOT APPLICABLE
ITEM 10. CERTIFICATION
By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were acquired and are held
in the ordinary course of business and were not acquired and are not
held for the purpose of or with the effect of changing or
influencing the control of the issuer of the securities and were not
acquired and are not held in connection with or as a participant in
any transaction having that purpose or effect.
PLEASE NOTE, THAT PURSUANT TO RULE 13D-1(K)(1) THIS SCHEDULE 13G IS BEING FILED
ON BEHALF OF BOTH RAYMOND H. DRESSER, JR. AND GRETCHEN M. DRESSER. ATTACHED
HERETO AS EXHIBIT A IS A STATEMENT FROM RAYMOND H. DRESSER, JR. AND GRETCHEN M.
DRESSER INDICATING THEIR AGREEMENT TO FILE THIS JOINT SCHEDULE 13G.
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.
March 14, 2002
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Date
/s/ Raymond H. Dresser, Jr.
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Signature
RAYMOND H. DRESSER, JR.
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Name/Title
March 14, 2002
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Date
/s/ Gretchen M. Dresser
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Signature
GRETCHEN M. DRESSER
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Name/Title
ATTENTION: INTENTIONAL MISSTATEMENTS OR OMISSIONS OF FACT CONSTITUTE FEDERAL
CRIMINAL VIOLATIONS (SEE 18 U.S.C. 1001)
EXHIBIT A
SCHEDULE 13G
RAYMOND H. DRESSER, JR. AND GRETCHEN M. DRESSER
Issuer: STURGIS BANCORP, INC.
Class of Securities: COMMON STOCK
CUSIP Number: 864087101
AGREEMENT TO FILE SCHEDULE 13G
We, Raymond H. Dresser, Jr. and Gretchen M. Dresser, hereby agree pursuant to
Rule 13d-1(k)(1) of the Securities Exchange Act of 1934, to jointly file
Schedule 13G of the Securities Exchange Act of 1934. The Schedule 13G is being
filed on behalf of each of us individually and, by signing below, we each
certify that the information contained therein is accurate to the best of our
knowledge and belief.
March 14, 2002
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Date
/s/ Raymond H. Dresser, Jr.
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Signature
RAYMOND H. DRESSER, JR.
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Name/Title
March 14, 2002
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Date
/s/ Gretchen M. Dresser
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Signature
GRETCHEN M. DRESSER
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Name/Title