Capitol Federal Financial 8-K Capitol Federal Financial Reports Fiscal Year 2002 Results

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported)November 6, 2002

CAPITOL FEDERAL FINANCIAL(Exact name of Registrant as specified in its Charter)

United States(State or other
jurisdiction of
incorporation) 0-24118(Commission File
Number) 48-1212142(IRS Employer
Identification
Number)

700 Kansas Avenue   Topeka, Kansas 66603(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code:(785) 235-1341
N/A(Former name or former address, if changed since last report)


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ITEM 5.   OTHER EVENTS.

       The Registrant's press release dated November 6, 2002, announcing financial results for the fiscal year and fiscal quarter ended September 30, 2002 is attached hereto as Exhibit 99.1, and is incorporated herein by reference.

       The Registrant's press release dated November 7, 2002, announcing a special year-end cash dividend is attached hereto as Exhibit 99.2, and is incorporated herein by reference.

ITEM 7.   FINANCIAL STATEMENTS AND EXHIBITS.

                         (c) Exhibits:

              Exhibit 99.1 - Press Release dated November 6, 2002.

              Exhibit 99.2 - Press Release dated November 7, 2002.

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SIGNATURES

              Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

	CAPITOL FEDERAL FINANCIAL
Date:    November 7, 2002	By:	/s/ John B. DicusJohn B. Dicus, President and    Chief Operating Officer
Date:    November 7, 2002	By:	/s/ Neil F. M. McKayNeil F. M. McKay, Executive Vice President    and Chief Financial Officer

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