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): January 21, 2004




                         TRI CITY BANKSHARES CORPORATION
             (Exact name of registrant as specified in its charter)




     Wisconsin                    0-9785                  39-1158740
- ---------------------          -------------           ----------------
(State or other jurisdiction    (Commission            (IRS Employer
 of incorporation)              File Number)           Identification No.)

   6400 South 27th Street
   Oak Creek, Wisconsin                                    53154
 -----------------------------------------                --------
  (Address of principal executive offices)               (Zip Code)


       Registrant's telephone number, including area code: (414) 761-1610
                                                           --------------





     The information in this report,  including the exhibit attached hereto,  is
furnished solely pursuant to Item 12 of this Form 8-K.  Consequently,  it is not
deemed "filed" for the purposes of Section 18 of the Securities  Exchange Act of
1934, or otherwise  subject to the  liabilities  of that section.  Further,  the
information  in this report,  including  the exhibit,  shall not be deemed to be
incorporated  by  reference  into  the  filings  of  the  registrant  under  the
Securities Act of 1933.

ITEM 12.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

     On January 20, 2004, Tri City Bankshares  Corporation mailed information to
its shareholders  regarding  operating results for the fourth quarter and annual
periods  ended  December  31,  2003.  A copy of the  information  is attached as
Exhibits 99.1 and 99.2.




                                   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 hereunto duly authorized.

Dated:  January 21, 2004                    TRI CITY BANKSHARES CORPORATION
       -------------------


                                       By:  s/s Thomas W. Vierthaler
                                            ----------------------------------
                                            Thomas W. Vierthaler
                                            Vice President & Comptroller
                                            (Chief Accounting Officer)







                                  EXHIBIT INDEX


         Exhibit No.            Description

             99.1               Quarterly financial information

             99.2               Management comments