Community Financial (CFFC) 8-K Current report

SECURITIES AND EXCHANGE COMMISSIONWashington, D.C. 20549FORM 8-KCURRENT REPORTPursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of Report (date of earliest event reported)February 10, 2004

COMMUNITY FINANCIAL CORPORATION(Exact name of Registrant as specified in its Charter)

Virginia	0-18265	54-1532044
(State or other jurisdiction of incorporation)	(Commission File No.)	(IRS Employer Identification Number)

38 North Central Avenue, Staunton, Virginia	24401
(Address of principal executive offices)	(Zip Code)

Registrant's telephone number, including area code: (540) 886-0796

N/A(Former name or former address, if changed since last report)
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ITEM 12.  Results of Operation and Financial Condition

            On February 10, 2004, the Registrant issued its earnings release for the quarterly period ended December 31, 2003. The earnings release is attached to this report as Exhibit 99.1, which is incorporated herein by reference.

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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.

		COMMUNITY FINANCIAL CORPORATION
Date: February 10, 2004	By:	/s/ R. Jerry GilesR. Jerry Giles Senior Vice President and Chief Financial Officer (Duly Authorized Officer)

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EXHIBIT INDEX

Exhibit No.	Description
99.1	Press Release dated February 10, 2004