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): March 12, 2004 Sound Federal Bancorp, Inc. ------------------------------------------------------ (Exact name of registrant as specified in its charter) Delaware 000-24811 22-3887679 - ---------------------------- ----------------- ------------------- (State or other jurisdiction (SEC File Number) (I.R.S. Employer of incorporation) Identification No.) 1311 Mamaroneck Avenue, Suite 190, White Plains, New York, 10605 ---------------------------------------------------------------- (Address of principal executive offices) Registrant's telephone number, including area code: 914-761-3636 Not Applicable ------------------------------------------------------------- (Former name or former address, if changed since last report) CURRENT REPORT ON FORM 8-K Item 5. Other Events and Regulation FD Disclosure On March 12, 2004, Sound Federal Bancorp, Inc. (Nasdaq: "SFFS") (the "Company") announced that it is commencing a stock repurchase program to acquire up to 637,332 shares of the Company's common stock. A copy of the press release is included as exhibit 99.1 to this report. Item 7(c). Exhibits 99.1 Press release of Sound Federal Bancorp, Inc., dated March 12, 2004. SIGNATURE 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. Sound Federal Bancorp, Inc. DATE: March 12, 2004 By: /s/ Anthony J. Fabiano ---------------------- Anthony J. Fabiano Chief Financial Officer EXHIBIT INDEX 99.1 Press release of Sound Federal Bancorp, Inc., dated March 12, 2004