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): August 17, 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)
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 furnished herewith:
Exhibit 99 Press Release dated August 17, 2004
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
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On August 17, 2004, Frankfort First Bancorp, Inc. issued a press release
announcing its unaudited financial results for the year ended June 30, 2004. The
press release is being furnished with this filing.
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: August 18, 2004 By:/s/ R. Clay Hulette
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R. Clay Hulette
Vice President and Chief Financial
Officer