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