UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 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): January 13, 2004 CKF Bancorp, Inc. ------------------------------------------------------------------ (Exact Name of Registrant as Specified in Charter) Delaware No. 0-25180 61-1267810 - ----------------------------- --------------------------- ------------------- (State or Other Jurisdiction Commission File Number (I.R.S. Employer of Incorporation) Identification No.) 340 West Main Street, Danville, Kentucky 40422 ------------------------------------------------------------ (Address of Principal Executive Offices) (Zip Code) Registrant's Telephone Number, Including Area Code: (859) 236-4181 -------------- ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS - --------------------------------------------------------------------------- (a) Not applicable. (b) Not applicable. (c) The following exhibit is filed herewith: Exhibit 99 Press Release dated January 13, 2004 ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION - ------------------------------------------------------- On January 13, 2004, CKF Bancorp, Inc. announced its unaudited financial results for the fiscal year ended December 31, 2003. For more information, reference is made to the Company's press release dated January 13, 2004, a copy of which is attached to this Report as Exhibit 99 and is furnished herewith. 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. CKF BANCORP, INC. By:/s/ John H. Stigall -------------------------------------- John H. Stigall President and Chief Executive Officer (Duly Authorized Representative) Dated: April 30, 2004