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: January 21, 2004
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Commission file number 0-12820
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AMERICAN NATIONAL BANKSHARES INC.
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(Exact name of registrant as specified in its charter)
VIRGINIA 54-1284688
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(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)
628 Main Street
Danville, Virginia 24541
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(Address of principal executive offices) (Zip Code)
(434) 792-5111
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(Registrant's telephone number, including area code)
Item 12. Results of Operations and Financial Condition
On January 21, 2004, American National Bankshares Inc. issued a press release
announcing year end and fourth quarter results for the year ended December 31,
2003.
Exhibits
99.1 News Release and supporting schedules
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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 hereunto duly authorized.
AMERICAN NATIONAL BANKSHARES INC.
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(Registrant)
Date - January 21, 2004 By: /s/ Brad E. Schwartz
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Senior Vice President and
Secretary-Treasurer
(Chief Financial Officer)