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                                  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): July 23, 2004


                             CENTRAL BANCORP, INC.
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               (Exact Name Of Registrant As Specified In Charter)


          Massachusetts                 0-25251               04-3447594
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   (State Or Other Jurisdiction      (Commission             (IRS Employer
    Of Incorporation)                 File Number)         Identification No.)



              399 Highland Avenue, Somerville, Massachusetts 02144
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               (Address Of Principal Executive Offices) (Zip Code)


       Registrant's telephone number, including area code: (617) 628-4000
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                                 Not Applicable
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          (Former Name Or Former Address, If Changed Since Last Report)






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ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
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     (a)  Not applicable.


     (b)  Not applicable.


     (c)  The following exhibit is filed herewith:


          Exhibit 99.1 Press Release dated July 23, 2004


ITEM 12.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION
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     On July 23, 2004,  Central Bancorp,  Inc. issued a press release announcing
its unaudited  financial  results for the quarter ended June 30, 2004. A copy of
the press  release is attached to this Report as Exhibit  99.1 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.

                                          CENTRAL BANCORP, INC.



Date:   July 23, 2004                     By: /s/ Michael K. Devlin
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                                              Michael K. Devlin
                                              Senior Vice President, Treasurer
                                               and Chief Financial Officer