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                                  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): March 7, 2003
                                                           -------------

                        Union Financial Bancshares, Inc.
                        --------------------------------
             (Exact name of registrant as specified in its charter)

      Delaware                         1-5735                57-1001177
      --------                      ------------            -----------
(State or other Jurisdiction of     (Commission            (IRS Employer
incorporation or organization)      File Number)           Identification No.)


203 West Main Street, Union, South Carolina                 29379-0886
- -------------------------------------------                 ----------
(Address of principal executive offices)                    (Zip Code)

                                 (864) 427-9000
                                 --------------
              (Registrant's telephone number, including area code)

                                 Not Applicable
                                 --------------
         (Former name or former address, if changed since last report.)














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ITEM 5.  OTHER EVENTS.
         ------------

      On March 7, 2003, Union Financial Bancshares,  Inc. (the "Company") issued
a press release announcing that it has submitted an application to the Office of
the  Comptroller  of  the  Currency  to  convert  the  charter  of  its  banking
subsidiary,  Provident Community Bank, from a federal savings bank to a national
bank.

      A press  release  announcing  the Company's  submission of the  conversion
application  to the Office of the  Comptroller  of the  Currency  is attached as
Exhibit 99.1

ITEM 7.  FINANCIAL STATEMENTS AND OTHER EXHIBITS.
         ---------------------------------------

      Exhibit 99.1            Press release issued on March 7, 2003


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                                   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.



                                       UNION FINANCIAL BANCSHARES, INC.



Dated: March 7, 2003                   By: /s/Dwight V. Neese
                                           -------------------------------------
                                           Dwight V. Neese
                                           President and Chief Executive Officer


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