UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
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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): October 21, 2003
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FRANKFORT FIRST BANCORP, INC.
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(Exact Name of Registrant as Specified in its Charter)
Delaware 0-26360 61-1271129
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(State or Other Jurisdiction of (Commission (I.R.S. Employer
Incorporation or Organization File Number Identification No.)
216 W. Main Street, Frankfort, Kentucky 40601
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(Address of Principal Executive Offices) (Zip Code)
Registrant's telephone number, including area code: (502) 223-1638
Not applicable
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(Former Name or Former Address, if Changed Since Last Report)
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
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(a) Not applicable.
(b) Not applicable.
(c) The following exhibit is filed herewith:
Exhibit 99 Press Release dated October 21, 2003
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
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On October 21, 2003, the Company issued a press release announcing its
unaudited financial results for the three month period ended September 30, 2003.
A copy of the press release is attached to this Report as an exhibit and is
incorporated herein by reference.
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.
FRANKFORT FIRST BANCORP, INC.
Date: October 21, 2003 By:/s/ Don Jennings
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Don Jennings
President and Chief
Executive Officer