CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 1
of 28
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 2 of
28
|
1.
|
Names
of Reporting Persons. I.R.S. Identification Nos. of above persons
(entities only).
|
Stilwell
Value Partners III, L.P.
|
|
2.
|
Check
the Appropriate Box if a Member of a Group (See
Instructions)
|
(a)
x
|
|
(b)
|
|
3.
|
SEC
Use Only
|
4.
|
Source
of Funds (See Instructions) WC, OO
|
5.
|
Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or
2(e) o
|
6.
|
Citizenship
or Place of Organization:
Delaware
|
Number
of
Shares
Beneficially
Owned
by
Each
Reporting
Person
With
|
|
7.
Sole Voting Power: 0
|
|
8.
Shared Voting Power: 8,589,722
|
|
9.
Sole Dispositive Power: 0
|
|
10.
Shared Dispositive Power: 8,589,722
|
|
11.
|
Aggregate
Amount Beneficially Owned by Each Reporting
Person: 8,589,722
|
12.
|
Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See
Instructions) o
|
13.
|
Percent
of Class Represented by Amount in Row
(11): 16.5%
|
14.
|
Type
of Reporting Person (See Instructions)
PN
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 3 of
28
|
1.
|
Names
of Reporting Persons. I.R.S. Identification Nos. of above persons
(entities only).
|
Stilwell
Value Partners IV, L.P.
|
|
2.
|
Check
the Appropriate Box if a Member of a Group (See
Instructions)
|
(a) [X]
|
|
(b)
|
|
3.
|
SEC
Use Only
|
4.
|
Source
of Funds (See Instructions) WC, OO
|
5.
|
Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or
2(e) o
|
6.
|
Citizenship
or Place of Organization:
Delaware
|
Number
of
Shares
Beneficially
Owned
by
Each
Reporting
Person
With
|
|
7.
Sole Voting Power: 0
|
|
8.
Shared Voting Power: 8,589,722
|
|
9.
Sole Dispositive Power: 0
|
|
10.
Shared Dispositive Power: 8,589,722
|
|
11.
|
Aggregate
Amount Beneficially Owned by Each Reporting
Person: 8,589,722
|
12.
|
Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See
Instructions) o
|
13.
|
Percent
of Class Represented by Amount in Row
(11): 16.5%
|
14.
|
Type
of Reporting Person (See Instructions)
PN
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 4
of 28
|
1.
|
Names
of Reporting Persons. I.R.S. Identification Nos. of above persons
(entities only).
|
Stilwell
Associates, L.P.
|
|
2.
|
Check
the Appropriate Box if a Member of a Group (See
Instructions)
|
(a)
x
|
|
(b)
|
|
3.
|
SEC
Use Only
|
4.
|
Source
of Funds (See Instructions) WC, OO
|
5.
|
Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or
2(e) o
|
6.
|
Citizenship
or Place of Organization:
Delaware
|
Number
of
Shares
Beneficially
Owned
by
Each
Reporting
Person
With
|
|
7.
Sole Voting Power: 0
|
|
8.
Shared Voting Power: 8,589,722
|
|
9.
Sole Dispositive Power: 0
|
|
10.
Shared Dispositive Power: 8,589,722
|
|
11.
|
Aggregate
Amount Beneficially Owned by Each Reporting
Person: 8,589,722
|
12.
|
Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See
Instructions) o
|
13.
|
Percent
of Class Represented by Amount in Row (11): 16.5%
|
14.
|
Type
of Reporting Person (See Instructions)
PN
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 5 of
28
|
1.
|
Names
of Reporting Persons. I.R.S. Identification Nos. of above persons
(entities only).
|
Stilwell
Offshore Ltd.
|
|
2.
|
Check
the Appropriate Box if a Member of a Group (See
Instructions)
|
(a)
x
|
|
(b)
|
|
3.
|
SEC
Use Only
|
4.
|
Source
of Funds (See Instructions) WC, OO
|
5.
|
Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or
2(e) o
|
6.
|
Citizenship
or Place of Organization:
Cayman
Islands
|
Number
of
Shares
Beneficially
Owned
by
Each
Reporting
Person
With
|
|
7.
Sole Voting Power: 0
|
|
8.
Shared Voting Power: 8,589,722
|
|
9. Sole
Dispositive Power: 0
|
|
10.
Shared Dispositive Power: 8,589,722
|
|
11.
|
Aggregate
Amount Beneficially Owned by Each Reporting
Person: 8,589,722
|
12.
|
Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See
Instructions) o
|
13.
|
Percent
of Class Represented by Amount in Row
(11): 16.5%
|
14.
|
Type
of Reporting Person (See Instructions)
OO
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 6 of
28
|
1.
|
Names
of Reporting Persons. I.R.S. Identification Nos. of above persons
(entities only).
|
Stilwell
Associates Insurance Fund of The S.A.L.I. Multi-Series Fund
L.P.
|
|
2.
|
Check
the Appropriate Box if a Member of a Group (See
Instructions)
|
(a)
x
|
|
(b)
|
|
3.
|
SEC
Use Only
|
4.
|
Source
of Funds (See Instructions) WC, OO
|
5.
|
Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or
2(e) o
|
6.
|
Citizenship
or Place of Organization:
Delaware
|
Number
of
Shares
Beneficially
Owned
by
Each
Reporting
Person
With
|
|
7.
Sole Voting Power: 0
|
|
8.
Shared Voting Power: 8,589,722
|
|
9.
Sole Dispositive Power: 0
|
|
10.
Shared Dispositive Power: 8,589,722
|
|
11.
|
Aggregate
Amount Beneficially Owned by Each Reporting
Person: 8,589,722
|
12.
|
Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See
Instructions) o
|
13.
|
Percent
of Class Represented by Amount in Row
(11): 16.5%
|
14.
|
Type
of Reporting Person (See Instructions)
PN
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 7 of
28
|
1.
|
Names
of Reporting Persons. I.R.S. Identification Nos. of above persons
(entities only).
|
Stilwell
Value LLC
|
|
2.
|
Check
the Appropriate Box if a Member of a Group (See
Instructions)
|
(a)
x
|
|
(b)
|
|
3.
|
SEC
Use Only
|
4.
|
Source
of Funds (See Instructions) n/a
|
5.
|
Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or
2(e) o
|
6.
|
Citizenship
or Place of Organization:
Delaware
|
Number
of
Shares
Beneficially
Owned
by
Each
Reporting
Person
With
|
|
7.
Sole Voting Power: 0
|
|
8.
Shared Voting Power: 8,589,722
|
|
9.
Sole Dispositive Power: 0
|
|
10.
Shared Dispositive Power: 8,589,722
|
|
11.
|
Aggregate
Amount Beneficially Owned by Each Reporting
Person: 8,589,722
|
12.
|
Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See
Instructions) o
|
13.
|
Percent
of Class Represented by Amount in Row
(11): 16.5%
|
14.
|
Type
of Reporting Person (See Instructions)
OO
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 8 of
28
|
1.
|
Names
of Reporting Persons. I.R.S. Identification Nos. of above persons
(entities only).
|
Stilwell
Management LLC
|
|
2.
|
Check
the Appropriate Box if a Member of a Group (See
Instructions)
|
(a)
x
|
|
(b)
|
|
3.
|
SEC
Use Only
|
4.
|
Source
of Funds (See Instructions) n/a
|
5.
|
Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or
2(e) o
|
6.
|
Citizenship
or Place of Organization:
Delaware
|
Number
of
Shares
Beneficially
Owned
by
Each
Reporting
Person
With
|
|
7.
Sole Voting Power: 0
|
|
8.
Shared Voting Power: 8,589,722
|
|
9. Sole
Dispositive Power: 0
|
|
10.
Shared Dispositive Power: 8,589,722
|
|
11.
|
Aggregate
Amount Beneficially Owned by Each Reporting
Person: 8,589,722
|
12.
|
Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See
Instructions) o
|
13.
|
Percent
of Class Represented by Amount in Row
(11): 16.5%
|
14.
|
Type
of Reporting Person (See Instructions)
OO
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 9 of
28
|
1.
|
Names
of Reporting Persons. I.R.S. Identification Nos. of above persons
(entities only).
|
Stilwell
Advisors LLC
|
|
2.
|
Check
the Appropriate Box if a Member of a Group (See
Instructions)
|
(a)
x
|
|
(b)
|
|
3.
|
SEC
Use Only
|
4.
|
Source
of Funds (See Instructions) n/a
|
5.
|
Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or
2(e) o
|
6.
|
Citizenship
or Place of Organization:
Delaware
|
Number
of
Shares
Beneficially
Owned
by
Each
Reporting
Person
With
|
|
7.
Sole Voting Power: 0
|
|
8.
Shared Voting Power: 8,589,722
|
|
9. Sole
Dispositive Power: 0
|
|
10.
Shared Dispositive Power: 8,589,722
|
|
11.
|
Aggregate
Amount Beneficially Owned by Each Reporting
Person: 8,589,722
|
12.
|
Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See
Instructions) o
|
13.
|
Percent
of Class Represented by Amount in Row
(11): 16.5%
|
14.
|
Type
of Reporting Person (See Instructions)
OO
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 10 of
28
|
1.
|
Names
of Reporting Persons. I.R.S. Identification Nos. of above persons
(entities only).
|
Joseph
Stilwell
|
|
2.
|
Check
the Appropriate Box if a Member of a Group (See
Instructions)
|
(a)
x
|
|
(b)
|
|
3.
|
SEC
Use Only
|
4.
|
Source
of Funds (See Instructions) PF, OO
|
5.
|
Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or
2(e) o
|
6.
|
Citizenship
or Place of Organization:
United
States
|
Number
of
Shares
Beneficially
Owned
by
Each
Reporting
Person
With
|
|
7.
Sole Voting Power: 0
|
|
8.
Shared Voting Power: 8,589,722
|
|
9.
Sole Dispositive Power: 0
|
|
10.
Shared Dispositive Power: 8,589,722
|
|
11.
|
Aggregate
Amount Beneficially Owned by Each Reporting
Person: 8,589,722
|
12.
|
Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See
Instructions) o
|
13.
|
Percent
of Class Represented by Amount in Row
(11): 16.5%
|
14.
|
Type
of Reporting Person (See Instructions)
IN
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 11 of
28
|
1.
|
Names
of Reporting Persons. I.R.S. Identification Nos. of above persons
(entities only).
|
Spencer
L. Schneider
|
|
2.
|
Check
the Appropriate Box if a Member of a Group (See
Instructions)
|
(a)
x
|
|
(b)
|
|
3.
|
SEC
Use Only
|
4.
|
Source
of Funds (See Instructions) PF
|
5.
|
Check
if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or
2(e) o
|
6.
|
Citizenship
or Place of Organization:
United
States
|
Number
of
Shares
Beneficially
Owned
by
Each
Reporting
Person
With
|
|
7.
Sole Voting Power: 26,000
|
|
8.
Shared Voting Power: 40,000
|
|
9.
Sole Dispositive Power: 26,000
|
|
10.
Shared Dispositive Power: 40,000
|
|
11.
|
Aggregate
Amount Beneficially Owned by Each Reporting
Person: 66,000
|
12.
|
Check
if the Aggregate Amount in Row (11) Excludes Certain Shares (See
Instructions) o
|
13.
|
Percent
of Class Represented by Amount in Row
(11): 0.1%
|
14.
|
Type
of Reporting Person (See Instructions)
IN
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 12 of
28
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 13 of
28
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 14 of
28
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 15 of
28
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 16 of
28
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 17 of
28
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 18 of
28
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 19 of
28
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 20 of
28
|
(a)
|
Aggregate
number of shares beneficially
owned: 8,589,722
|
(b)
|
1. Sole
power to vote or to direct
vote: 0
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 21 of
28
|
(a)
|
Aggregate
number of shares beneficially
owned: 8,589,722
|
(b)
|
1. Sole
power to vote or to direct
vote: 0
|
Date
|
Number of Shares
|
Price Per Share
|
Total Purchase Price
|
|||||||||
06/08/10
|
49,100 | 1.63 | $ | 80,155.75 | ||||||||
06/08/10
|
10,810 | 1.64 | 17,723.00 | |||||||||
06/09/10
|
30,900 | 1.64 | 50,676.00 | |||||||||
06/11/10
|
4,200 | 1.65 | 6,930.00 | |||||||||
06/14/10
|
895 | 1.65 | 1,476.75 | |||||||||
06/15/10
|
16,000 | 1.68 | 26,880.00 | |||||||||
06/16/10
|
27,400 | 1.71 | 46,769.06 | |||||||||
06/17/10
|
100,000 | 1.71 | 170,810.00 | |||||||||
06/18/10
|
48,377 | 1.73 | 83,629.32 | |||||||||
06/21/10
|
8,500 | 1.71 | 14,535.00 | |||||||||
06/21/10
|
100,000 | 1.75 | 175,000.00 | |||||||||
06/22/10
|
100,560 | 1.75 | 175,980.00 | |||||||||
06/23/10
|
85,235 | 1.70 | 144,899.50 | |||||||||
06/24/10
|
21,915 | 1.81 | 39,666.15 | |||||||||
06/25/10
|
22,801 | 1.80 | 41,041.80 | |||||||||
06/28/10
|
29,827 | 1.78 | 53,092.06 |
(a)
|
Aggregate
number of shares beneficially
owned: 8,589,722
|
(b)
|
1. Sole
power to vote or to direct
vote: 0
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 22 of
28
|
Date
|
Number of Shares
|
Price Per Share
|
Total Purchase Price
|
|||||||||
06/24/10
|
21,915 | 1.81 | $ | 39,666.15 | ||||||||
06/25/10
|
22,801 | 1.80 | 41,041.80 | |||||||||
06/28/10
|
29,828 | 1.78 | 53,093.84 |
(a)
|
Aggregate
number of shares beneficially
owned: 8,589,722
|
(b)
|
1. Sole
power to vote or to direct
vote: 0
|
Date
|
Number of Shares
|
Price Per Share
|
Total Purchase Price
|
|||||||||
06/24/10
|
2,435 | 1.81 | $ | 4,407.35 | ||||||||
06/25/10
|
2,533 | 1.80 | 4,559.40 | |||||||||
06/28/10
|
3,314 | 1.78 | 5,898.92 |
(a)
|
Aggregate
number of shares beneficially
owned: 8,589,722
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 13 of
28
|
(b)
|
1. Sole
power to vote or to direct
vote: 0
|
Date
|
Number of Shares
|
Price Per Share
|
Total Purchase Price
|
|||||||||
06/24/10
|
2,435 | 1.81 | $ | 4,407.35 | ||||||||
06/25/10
|
2,533 | 1.80 | 4,559.40 | |||||||||
06/28/10
|
3,314 | 1.78 | 5,898.92 |
(a)
|
Aggregate
number of shares beneficially
owned: 8,589,722
|
(b)
|
1. Sole
power to vote or to direct
vote: 0
|
(a)
|
Aggregate
number of shares beneficially
owned: 8,589,722
|
(b)
|
1. Sole
power to vote or to direct
vote: 0
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 24 of
28
|
(a)
|
Aggregate
number of shares beneficially
owned: 8,589,722
|
(b)
|
1. Sole
power to vote or to direct
vote: 0
|
(a)
|
Aggregate
number of shares beneficially
owned: 8,589,722
|
(b)
|
1. Sole
power to vote or to direct
vote: 0
|
(a)
|
Aggregate
number of shares beneficially
owned: 66,000
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 25 of
28
|
(b)
|
1. Sole
power to vote or to direct
vote: 26,000
|
Date
|
Number of Shares
|
Price Per Share
|
Total Purchase Price
|
|||||||||
06/16/10
|
10,000 | 1.7272 | $ | 17,466.45 | ||||||||
06/18/10
|
10,000 | 1.73 | 17,494.61 |
Exhibit No.
|
Description
|
|
1
|
Joint
Filing Agreement, dated November 7, 2008, filed with the Original
Schedule 13D
|
|
2
|
Amended
Joint Filing Agreement, dated November 14, 2008, filed with the First
Amendment
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 26 of
28
|
3
|
Requisition
Notice, dated November 11, 2008, filed with the First
Amendment
|
|
4
|
Press
Release, dated November 11, 2008, filed with the First
Amendment
|
|
5
|
Letter
to Joseph Stilwell from W. Shaun Jackson, President and Chief Executive
Officer of the Issuer, dated November 17, 2008, filed with the Second
Amendment
|
|
6
|
Letter
to W. Shaun Jackson from Joseph Stilwell dated November 17, 2008,
filed with the Second Amendment
|
|
7
|
Settlement
Agreement between the Issuer and members of the Group dated January 7,
2009, filed with the Fifth Amendment
|
|
8
|
Press
Release, dated January 30, 2009, filed with the Sixth
Amendment
|
|
9
|
Requisition
Notice, dated January 29, 2009, filed with the Sixth
Amendment
|
|
10
|
Stock
Option Agreement dated as of January 7, 2009 among Spencer L. Schneider,
Stilwell Value Partners III and Stilwell Associates, filed with the Eighth
Amendment
|
|
11
|
Reserved
|
|
12
|
Amended
Joint Filing Agreement, dated April 8, 2009, filed with the Ninth
Amendment
|
|
13
|
Amended
Joint Filing Agreement, dated April 28, 2009, filed with the Tenth
Amendment
|
|
14
|
Amended
Joint Filing Agreement, dated August 4, 2009, filed with the Eleventh
Amendment
|
|
15
|
Amended
Joint Filing Agreement, dated November 16, 2009, filed with the Twelfth
Amendment
|
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 27
of 28
|
STILWELL
VALUE PARTNERS III, L.P.
|
||||
By:
|
STILWELL
VALUE LLC
|
|||
General
Partner
|
||||
/s/Joseph
Stilwell
|
||||
By:
|
Joseph
Stilwell
|
|||
Managing
and Sole Member
|
||||
STILWELL
VALUE PARTNERS IV, L.P.
|
||||
By:
|
STILWELL
VALUE LLC
|
|||
General
Partner
|
||||
/s/Joseph
Stilwell
|
||||
By:
|
Joseph
Stilwell
|
|||
Managing
and Sole Member
|
||||
STILWELL
ASSOCIATES, L.P.
|
||||
By:
|
STILWELL
VALUE LLC
|
|||
General
Partner
|
||||
/s/Joseph
Stilwell
|
||||
By:
|
Joseph
Stilwell
|
|||
Managing
and Sole Member
|
||||
STILWELL
OFFSHORE LTD.
|
||||
By:
|
STILWELL
MANAGEMENT LLC
|
|||
Manager
|
||||
/s/Joseph
Stilwell
|
||||
By:
|
Joseph
Stilwell
|
|||
Managing
and Sole Member
|
||||
CUSIP
No. 496904103
|
SCHEDULE
13D
|
Page 28 of
28
|
STILWELL
ASSOCIATES INSURANCE FUND OF THE S.A.L.I. MULTI-SERIES FUND
L.P.
|
||||
By:
|
STILWELL
ADVISORS LLC
|
|||
General
Partner
|
||||
/s/Joseph
Stilwell
|
||||
By:
|
Joseph
Stilwell
|
|||
Managing
and Sole Member
|
||||
STILWELL
ADVISORS LLC
|
||||
/s/Joseph
Stilwell
|
||||
By:
|
Joseph
Stilwell
|
|||
Managing and Sole Member | ||||
STILWELL
VALUE LLC
|
||||
/s/Joseph
Stilwell
|
||||
By:
|
Joseph
Stilwell
|
|||
Managing
and Sole Member
|
||||
STILWELL
MANAGEMENT LLC
|
||||
/s/Joseph
Stilwell
|
||||
By:
|
Joseph
Stilwell
|
|||
Managing
and Sole Member
|
||||
JOSEPH
STILWELL
|
|
/s/Joseph
Stilwell
|
|
Joseph
Stilwell
|
|
SPENCER
L. SCHNEIDER
|
|
/s/Spencer
L. Schneider
|
|
Spencer
L.
Schneider
|