SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549


                                  SCHEDULE 13G
                                 (Rule 13d-102)

             INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
           TO RULES 13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED
                            PURSUANT TO RULE 13d-2(b)

                              (Amendment No.____)1


                           HIGH COUNTRY BANCORP, INC.
--------------------------------------------------------------------------------
                                (Name of Issuer)

                                  COMMON STOCK
--------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                   42965Q 10 7
--------------------------------------------------------------------------------
                                 (CUSIP Number)

                                 AUGUST 22, 2002
--------------------------------------------------------------------------------
             (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)

----------

1 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).

                                Page 1 of 6 pages

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CUSIP NO. 42965Q 10 7                   13G                    PAGE 2 OF 6 PAGES
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--------------------------------------------------------------------------------
1          NAMES OF REPORTING PERSONS:
           SCOTT G. ERCHUL

           I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
--------------------------------------------------------------------------------
2          CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP *

                                                             (a) [X]
                                                             (b) [ ]
--------------------------------------------------------------------------------
3          SEC USE ONLY

--------------------------------------------------------------------------------
4          CITIZENSHIP OR PLACE OF ORGANIZATION
           UNITED STATES OF AMERICA
--------------------------------------------------------------------------------
       NUMBER OF          5      SOLE VOTING POWER           46,437  (1)
         SHARES           ------------------------------------------------------
      BENEFICIALLY        6      SHARED VOTING POWER              0
        OWNED BY          ------------------------------------------------------
          EACH            7      SOLE DISPOSITIVE POWER      37,842  (1)
       REPORTING          ------------------------------------------------------
         PERSON           8      SHARED DISPOSITIVE POWER     4,751
          WITH
--------------------------------------------------------------------------------
9          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
           46,437
--------------------------------------------------------------------------------
10         CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
              [ ]
--------------------------------------------------------------------------------
11         PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
           4.97% (2)
--------------------------------------------------------------------------------
12         TYPE OF REPORTING PERSON *
                    IN
--------------------------------------------------------------------------------

* SEE INSTRUCTIONS BEFORE FILLING OUT!

(1)  Includes  29,095  shares that may be acquired  upon the exercise of options
     within 60 days of the date of this Schedule 13G.
(2)  Assumes that options for 29,095 shares have been exercised.

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CUSIP NO. 42965Q 10 7                  13G                     PAGE 3 OF 6 PAGES
--------------------------------------------------------------------------------

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1          NAMES OF REPORTING PERSONS:
           PATRICIA S. ERCHUL

           I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)

--------------------------------------------------------------------------------
2          CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP *

                                                             (a) [X]
                                                             (b) [ ]
--------------------------------------------------------------------------------
3          SEC USE ONLY

--------------------------------------------------------------------------------
4          CITIZENSHIP OR PLACE OF ORGANIZATION
           UNITED STATES OF AMERICA
--------------------------------------------------------------------------------

       NUMBER OF          5      SOLE VOTING POWER                        593
         SHARES           ------------------------------------------------------
      BENEFICIALLY        6      SHARED VOTING POWER                        0
        OWNED BY          ------------------------------------------------------
          EACH            7      SOLE DISPOSITIVE POWER                   593
       REPORTING          ------------------------------------------------------
         PERSON           8      SHARED DISPOSITIVE POWER                   0
          WITH
--------------------------------------------------------------------------------
9          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
             593
--------------------------------------------------------------------------------
10         CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*
             [ ]
--------------------------------------------------------------------------------
11         0.07%
--------------------------------------------------------------------------------
12         TYPE OF REPORTING PERSON *
                    IN
--------------------------------------------------------------------------------

                                                  ------------------------------
                                                        Page 4 of 6 Pages
                                                  ------------------------------


                       Securities and Exchange Commission
                             Washington, D.C. 20549

ITEM 1(a)     NAME OF ISSUER:

     High Country Bancorp, Inc.

ITEM 1(b)     ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:

     7360 West US Highway 50
     Salida, Colorado 81201

ITEM 2(a)     NAME OF PERSON FILING:

     (A)  Scott G. Erchul
     (B)  Patricia S. Erchul

ITEM 2(b)     ADDRESS OF PRINCIPAL BUSINESS OFFICE, OR, IF NONE, RESIDENCE:

     (A)  7360 West US Highway 50
          Salida, Colorado  81201

     (B)  27100 CR 342
          Buena Vista, Colorado 81211

ITEM 2(c)     CITIZENSHIP:

     United States of America

ITEM 2(d)     TITLE OF CLASS OF SECURITIES:

     Common Stock, par value $.01 per share

ITEM 2(e)     CUSIP NUMBER:  42965Q 10 7


ITEM 3.       IF THIS STATEMENT IS FILED PURSUANT TO RULE 13d-1(b), OR 13d-2(b)
              OR (c), CHECKWHETHER THE PERSON FILING IS A:

     Not applicable. This Statement is being filed pursuant to Rule 13d-1(c).


                                                  ------------------------------
                                                         Page 5 of 6 Pages
                                                  ------------------------------


ITEM 4.   OWNERSHIP.

     (a)  AMOUNT  BENEFICIALLY  OWNED: See Row 9 of the second part of the cover
          ---------------------------
          page for each reporting person.

     (b)  PERCENT OF CLASS:  See Row 11 of the second part of the cover page for
          ----------------
          each reporting person.

     (c)  NUMBER OF SHARES AS TO WHICH THE PERSON  HAS:  See Rows 5,6,7 and 8 of
          --------------------------------------------
          the second part of the cover page for each reporting person.

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.

     No other  person  is known to have the  right to  receive  or the  power to
direct the receipt of dividends from or the proceeds from the sale of the shares
held by the reporting person.

ITEM 7.   IDENTIFICATION AND CLASSIFICATION  OF THE  SUBSIDIARY  WHICH  ACQUIRED
          THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY OR
          CONTROL PERSON.

     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. CERTIFICATIONS.


     By signing  below I certify  that,  to the best of my knowledge and belief,
the  securities  referred  to above 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.


                                                  ------------------------------
                                                         Page 6 of 6 Pages
                                                  ------------------------------


                                    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.



October 29, 2002                      /s/ Scott G. Erchul
----------------                      ------------------------------------------
Date                                  Scott G. Erchul


October 29, 2002                      /s/ Patricia S. Erchul
----------------                      ------------------------------------------
Date                                  Patricia S. Erchul




                                                                       EXHIBIT A
                                                                       ---------


                        AGREEMENT RELATING TO FILING OF
                          JOINT STATEMENT PURSUANT TO
                               RULE 13d-1(k) UNDER
                       THE SECURITIES EXCHANGE ACT OF 1934


     The  undersigned  agree that the  Statement  of Schedule  13G to which this
Agreement is attached is filed on behalf of each of them.


Date: October 29, 2002            By:/s/ Scott G. Erchul
                                     ------------------------------------------
                                     Scott G. Erchul



                                  By:/s/ Patricia S. Erchul
                                     ------------------------------------------
                                     Patricia S. Erchul