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 24, 2003
UNITED FINANCIAL CORP.
(Exact name of registrant as specified in its charter)
MINNESOTA
(State or other jurisdiction of incorporation)
0-28080 81-0507591
(Commission File Number) (IRS Employer Identification No.)
P. O. BOX 2779, 120 FIRST AVENUE NORTH,
GREAT FALLS, MONTANA 59403
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (406) 727-6106
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.
(c) Exhibits:
Exhibit 99.1 Press Release of United Financial Corp. dated July 24,
2003, reporting financial results for the second
quarter of 2003
ITEM 9. REGULATION FD DISCLOSURE
On July 24, 2003, United Financial Corp. (the "Company") announced its
financial results for the second quarter ended June 30, 2003. A copy of the
press release announcing the same is attached as Exhibit 99.1 to this Current
Report on Form 8-K.
Note to readers: Please see the attached press release for definitions
of certain terms.
FORWARD LOOKING STATEMENTS WARNING
When used in this Form 8-K, the words or phrases "will likely result
in", "are expected to", "will continue", "is anticipated", "estimate", "could",
"project" or similar expressions are intended to identify "forward-looking
statements" within the meaning of the Private Securities Litigation Reform Act
of 1995. Such forward-looking statements are subject to risks and uncertainties
that could cause actual results to differ materially from historical earnings
and those presently anticipated or projected including general economic
conditions, business conditions in the banking industry, the regulatory
environment, new legislation, employee retention factors, rapidly changing
technology and evolving banking industry standards, competitive standards,
competitive factors including increased competition among financial institutions
and fluctuating interest rate environments. Readers are cautioned not to place
undue reliance on any such forward-looking statements, which speak only as of
the date made. Readers should also carefully review the risk factors described
in the Company's most recent quarterly report on Form 10-Q for the period ending
March 31, 2003, its Annual Report on Form 10-K for the period ending December
31, 2002 and other documents the Company files from time to time with the
Securities and Exchange Commission.
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITIONS.
The information set forth under Item 9 is also intended to be furnished
under this Item in accordance with SEC Release No. 33-8216. Such information,
including the Exhibit attached hereto, shall not be deemed filed for purposes of
Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed
incorporated by reference in any filing under the Securities Act of 1933 or the
Securities Exchange Act of 1934, except as shall be expressly set forth by
specific reference in such filing.
SIGNATURES
Pursuant to the requirements of the Securities and Exchange Act of 1934,
United Financial Corp. has duly caused this report to be signed on its behalf by
the undersigned thereunto duly authorized.
UNITED FINANCIAL CORP.
DATE: July 30, 2003 By: /s/ Paula J. Delaney
-----------------------------
Paula J. Delaney
Chief Financial Officer
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EXHIBIT INDEX
EXHIBIT NO. DESCRIPTION
Exhibit 99.1 Press Release of United Financial Corp. dated July 24, 2003,
reporting financial results for the second quarter of 2003
3