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: July 21, 2003
AMERICAN NATIONAL BANKSHARES INC.
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(Exact name of registrant as specified in its charter)
Virginia 0-12820 54-1284688
(State of Incorporation) (Commission File Number) (IRS Employer
Identification No.)
628 Main Street, Danville, Virginia 24541
(Address of principal executive offices) (Zip Code)
(434) 792-5111
(Registrant's telephone number, including area code)
Item 9. Regulation FD Disclosure (Information provided pursuant to Item 12)
The purpose of this Current Report on Form 8-K is to file the Registrant's
"Quarterly Financial Update" for the second quarter of 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.
(Registrant)
Date - July 21, 2003 By: /s/ Brad E. Schwartz
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Senior Vice President and
Secretary-Treasurer
(Chief Financial Officer)