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                       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 8, 2003
                                                           ------------

                        Lawrence Financial Holdings, Inc.
                        ---------------------------------
             (Exact Name of Registrant as Specified in Its Charter)

       Maryland                         0-31847                31-1724442
       --------                        ---------               ----------
(State or other Jurisdiction of        (Commission            (IRS Employer
 Incorporation or Organization)        File Number)         Identification No.)

                   301 South Fifth Street, Ironton, Ohio 45638
                   -------------------------------------------
               (Address of Principal Executive Offices) (Zip Code)

                                 (740) 532-0263
                                 --------------
              (Registrant's Telephone Number, including Area Code)

                                 Not Applicable
                                 --------------
          (Former Name or Former Address, If Changed Since Last Report)






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

         Exhibit 99.1  Press Release dated July 8, 2003.

ITEM 9.  REGULATION FD DISCLOSURE
         ------------------------

         On July 8, 2003  Lawrence  Financial  Holdings,  Inc.  (the  "Company")
issued a press release  announcing  its financial  results for the quarter ended
June 30,  2003.  The press  release  is filed as Exhibit  99.1 and  incorporated
herein by reference.

         This information is being furnished pursuant to Item 12 of Form 8-K and
is being presented under Item 9 as provided in the Commissions  interim guidance
regarding  From  8-K  Item  11 and  Item 12  filing  requirements  (Release  No.
34-47583).


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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.

                                       LAWRENCE FINANCIAL HOLDINGS, INC.




Date:  July 10, 2003                   By: /s/ Jack L. Blair
                                           -------------------------------------
                                           Jack L. Blair
                                           President and Chief Executive Officer