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 30, 2004 SOVEREIGN BANCORP, INC. ------------------------------------------------------ (Exact name of registrant as specified in its charter) Pennsylvania 1-16581 23-2453088 - ---------------------------- ------------------------ ------------------------- (State or other jurisdiction (Commission File Number) (IRS Employer Ident. No.) of incorporation) 1500 Market Street, Philadelphia, Pennsylvania 19102 - ---------------------------------------------- --------------- (Address of principal executive offices) (Zip Code) (215) 557-4630 ------------------------------------------------------------- Registrant's telephone number, including area code N/A ------------------------------------------------------------- (Former name or former address, if changed since last report. Item 7. Financial Statements and Exhibits. (a) Not Applicable. (b) Not Applicable. (c) Exhibits. The following exhibits are furnished herewith: 99.1 Press Release, dated July 30, 2004, of Sovereign Bancorp, Inc. (the "Company"). Item 9. Regulation FD Disclosure On July 30, 2004, the Company issued a press release regarding the final election results for holders of Seacoast Financial Services Corporation ("Seacoast") common stock in connection with the Company's acquisition of Seacoast. The press release, attached as Exhibit 99.1 hereto and incorporated by reference, is being furnished pursuant to Item 9. 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. SOVEREIGN BANCORP, INC. Dated: July 30, 2004 /s/ Mark R. McCollom --------------------------- Mark R. McCollom Senior Vice President 2 EXHIBIT INDEX Exhibit Number 99.1 Press Release, dated July 30, 2004, of Sovereign Bancorp, Inc. 3