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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 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): October 15, 2004

                        Lawrence Financial Holdings, Inc.
             (Exact Name of Registrant as Specified in Its Charter)

         Maryland                      0-31847               31-1724442
         --------                      ---------             ----------
(State or other Jurisdiction of        (Commission           (IRS Employer
 Incorporation or Organization)        File Number)          Identification No.)

                   301 South Fifth Street, Ironton, Ohio 45638
                   -------------------------------------------
               (Address of Principal Executive Offices) (Zip Code)

                                 (740) 532-0263
                                 --------------
              (Registrant's Telephone Number, including Area Code)

                                 Not Applicable
                                 --------------
          (Former Name or Former Address, If Changed Since Last Report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ]  Written communications pursuant to Rule 425 under the Securities Act
     (17 CFR 230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
     (17 CFR 240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))




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ITEM 2.02.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
            ---------------------------------------------

         On October 15, 2004, Lawrence Financial Holdings, Inc. issued a press
release in which it announced its results of operations for the quarter ended
September 30, 2004. A copy of the press release is furnished with this Current
Report on Form 8-K as Exhibit 99.1.

ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS.
            ---------------------------------

c.       Exhibits

         Exhibit Number                Description
         --------------                -----------
         99.1                          Press release dated October 15, 2004.



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                                    SIGNATURE

         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 thereunto duly authorized.

                                      LAWRENCE FINACIAL HOLDINGS, INC.




Date: October 15, 2004                By: /s/ Jack L. Blair
                                          -------------------------------------
                                          Jack L. Blair
                                          President and Chief Executive Officer