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): July 27, 2004
Sound Federal Bancorp, Inc.
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(Exact name of registrant as specified in its charter)
Delaware 000-24811 22-3887679
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(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
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(Address of principal executive offices)
Registrant's telephone number, including area code: 914-761-3636
Not Applicable
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(Former name or former address, if changed since last report)
CURRENT REPORT ON FORM 8-K
Item 12. Results of Operations and Financial Condition
Sound Federal Bancorp, Inc. (Nasdaq: "SFFS") announced its June 30, 2004
financial results. The press release is included as an exhibit.
Item 7(c). Exhibits
99.1 Press release of Sound Federal Bancorp, Inc., dated July 27, 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: July 27, 2004 By: /s/ Anthony J. Fabiano
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Anthony J. Fabiano
Chief Financial Officer
EXHIBIT INDEX
99.1 Press release of Sound Federal Bancorp, Inc., dated July 27, 2004