UNITED STATES

                       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 20, 2005


                         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

     Check the  appropriate  box below if the Form 8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

     [  ] Written communications pursuant to Rule 425 under the Securities Act
          (17 CFR 230.425)

     [  ] Soliciting material pursuant to Rule 14a-12 under the Securities Act
          (17 CFR 240.14a-12)

     [  ] Pre-commencement  communications pursuant to Rule 14d-2(b) under the
          Exchange Act (17 CFR 240.14d-2(b))

     [  ] Pre-commencement  communications pursuant to Rule 13e-4(c) under the
          Exchange Act (17 CFR 240.13e-4(c))





     The information in this report,  including the exhibits attached hereto, is
furnished solely pursuant to Item 2.02 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 exhibits,  shall not be deemed to be
incorporated  by  reference  into  the  filings  of  the  registrant  under  the
Securities Act of 1933.

ITEM 2.02  RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

     On January 20, 2005, Tri City Bankshares  Corporation mailed information to
its  shareholders  regarding  operating  results for the fourth quarter and year
ended December 31, 2004. A copy of the  information is attached as Exhibits 99.1
and 99.2.

ITEM 9.01  FINANCIAL STATEMENTS AND EXHIBITS

(c)  Exhibits

         Exhibit No.                              Description

             99.1               Quarterly financial information

             99.2               Management comments


                                   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 20, 2005                       TRI CITY BANKSHARES CORPORATION
      -------------------------


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