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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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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 15, 2004
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FRANKFORT FIRST BANCORP, INC.
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(Exact Name of Registrant as Specified in its Charter)
Delaware 0-26360 61-1271129
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(State or Other Jurisdiction of (Commission (I.R.S. Employer
Incorporation or Organization File Number Identification No.)
216 W. Main Street, Frankfort, Kentucky 40601
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(Address of Principal Executive Offices) (Zip Code)
Registrant's telephone number, including area code: (502) 223-1638
Not applicable
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(Former Name or Former Address, if Changed Since Last Report)
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ITEM 5. OTHER EVENTS AND REGULATION FD DISCLOSURE.
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On July 15, 2004, Frankfort First Bancorp, Inc. ("Frankfort") and First
Federal Savings and Loan Association ("First Federal of Hazard") entered into an
Agreement of Merger (the "Merger Agreement"). Under the Merger Agreement,
Frankfort will be acquired as part of a transaction whereby First Federal of
Hazard will reorganize into the mutual holding company form of organization. The
Merger Agreement is attached hereto as Exhibit 2.1 and incorporated herein by
reference. The press release announcing the transaction is attached hereto as
Exhibit 99.1 and incorporated herein by reference.
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.
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(a) Not applicable
(b) Not applicable
(c) The following exhibits are filed herewith:
2.1 Agreement and Plan of Merger, by and between First Federal Savings
and Loan Association and Frankfort First Bancorp, Inc. dated as of
July 15, 2004. The following schedules to the Merger Agreement are
omitted and the Registrant agrees to supplementally furnish a copy
of any omitted schedules to the Commission upon request.
SCHEDULES
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4.1 Subsidiaries
4.3 Capitalization
4.6 Frankfort First Existing Liens
4.7 Litigation
4.8 Accounting, Books and Records
4.9 Absence of Certain Changes
4.10 Buildings and Equipment
4.11 Frankfort First Existing Contracts
4.12 Investment Securities
4.13 Contingent and Undisclosed Liabilities
4.14 Insurance Policies
4.15 Employee Benefit Plans
4.16 Violations of Law
4.17 Brokers
4.18 Taxes
4.19 Real Estate
4.22 Labor Matters
4.23 Indebtedness
4.24 Permits
4.29 Environmental Protection
99.1 Press release dated July 16, 2004
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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.
FRANKFORT FIRST BANCORP, INC.
Date: July 16, 2004 By:/s/ Don Jennings
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Don Jennings
President and Chief Executive Officer
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EXHIBIT INDEX
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EXHIBIT NO. DESCRIPTION
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2.1 Agreement and Plan of Merger, by and between First Federal Savings
and Loan Association and Frankfort First Bancorp, Inc. dated as of
July 15, 2004
99.1 Press Release dated July 16, 2004