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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) July 23, 2003
                                                          -------------

                          CONNECTICUT BANCSHARES, INC.
                          ----------------------------
             (Exact name of registrant as specified in its charter)

           Delaware                    0-28389                06-1564613
           --------                    -------                ----------
(State or other jurisdiction of       (Commission           (IRS Employer
incorporation or organization)        File Number)          Identification No.)

                 923 Main Street, Manchester, Connecticut 06040
                 ----------------------------------------------
                    (Address of principal executive offices)

                                 (860) 646-1700
                                 --------------
              (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 23, 2003

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

      On July 23, 2003,  Connecticut  Bancshares,  Inc.  announced its financial
results  for the  quarter  ended June 30,  2003.  The press  release  announcing
financial  results for the quarter  ended June 30, 2003 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  Commission's  interim  guidance
regarding  Form  8-K  Item  11 and  Item 12  filing  requirements  (Release  No.
34-47583).






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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.

                                        CONNECTICUT BANCSHARES, INC.



Dated:  July 23, 2003                   By: /s/ Douglas K. Anderson
                                            ----------------------------------
                                            Douglas K. Anderson
                                            Executive Vice President