Capitol Federal Financial 8-K Other events

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)February 19, 2003

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 February 19, 2003, updating its earnings announcement for the first quarter ended December 31, 2002 is attached hereto as Exhibit 99.1, and is incorporated herein by reference.

ITEM 7.   FINANCIAL STATEMENTS AND EXHIBITS.

                         (c) Exhibits:

              Exhibit 99.1 - Press Release dated February 19, 2003.

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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:    February 19, 2003	By:	/s/ John B. DicusJohn B. Dicus, President and    Chief Executive Officer
Date:    February 19, 2003	By:	/s/ Neil F. M. McKayNeil F. M. McKay, Executive Vice President    and Chief Financial Officer

End.