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) November 13, 2002
PFSB BANCORP, INC.
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(Exact name of Registrant as specified in its Charter)
Missouri 0-25355 31-1627743
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(State or other (Commission (IRS Employer
jurisdiction of File Number) Identification No.)
incorporation)
123 West Lafayette Street, Palmyra, Missouri 63461
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (573) 769-2134
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ITEM 5. OTHER EVENTS.
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On November 13, 2002, PFSB Bancorp, Inc. issued a press release
announcing that at a special meeting of stockholders, the Company's stockholders
approved the pending merger with First Federal Bancshares, Inc., Colchester,
Illinois.
A press release is attached as Exhibit 99.1 and incorporated herein by
reference.
ITEM 7. FINANCIAL STATEMENTS AND OTHER EXHIBITS.
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Exhibit 99.1 Press Release dated November 13, 2002.
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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 thereunto duly authorized.
PFSB BANCORP, INC.
Date: November 14, 2002 By: /s/ Eldon R. Mette
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Eldon R. Mette
President and Chief Executive Officer