Capitol Federal Financial 8-K Capitol Federal Financial Reports Second Quarter 2005 Results

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-KCURRENT REPORTPursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934Date of Report (Date of earliest event reported)May 5, 2005
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 2.02.   RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

                (a) The Registrant's press release dated May 5, 2005, announcing financial results for the fiscal quarter ended March 31, 2005 is attached hereto as Exhibit 99.1, and is incorporated herein by reference.

ITEM 9.01   FINANCIAL STATEMENTS AND EXHIBITS.

(c) Exhibits

Exhibit 99.1 - Press Release dated May 5, 2005

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:    May 5, 2005	By:	/s/ John B. DicusJohn B. Dicus, President and    Chief Executive Officer
Date:    May 5, 2005	By:	/s/ Neil F. M. McKay   Neil F. M. McKay, Executive Vice President    and Chief Financial Officer

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