================================================================================ 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): January 28, 2003 CENTRAL BANCORP, INC. ------------------------------------------------------ (Exact name of registrant as specified in its charter) MASSACHUSETTS 0-25251 04-3447594 - ---------------------------- ------------ ------------------- (State or other jurisdiction (Commission (I.R.S. employer of incorporation) file number) identification no.) 399 HIGHLAND AVENUE, SOMERVILLE, MASSACHUSETTS 02144 ---------------------------------------------- ---------- (Address of principal executive offices) (Zip code) Registrant's telephone number, including area code: (617) 628-4000 -------------- NOT APPLICABLE ------------------------------------------------------------- (Former name or former address, if changed since last report) ================================================================================ ITEM 9. REGULATION FD DISCLOSURE - --------------------------------- On January 28, 2003, the Registrant announced its earnings for the quarter and nine months ended December 31, 2002. For further information, reference is made to the Registrant's press release, dated January 28, 2003, which is attached hereto as Exhibit 99.1 and incorporated herein by reference. ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS - --------------------------------------------------------------------------- The following is a list of exhibits filed with this Current Report on Form 8-K. Exhibit No. Description ---------- ----------- 99.1 Press Release, dated January 28, 2003 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. CENTRAL BANCORP, INC. Date: January 28, 2003 By:/s/ John D. Doherty ------------------------------------ John D. Doherty President