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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 26, 2005

                                AMERIANA BANCORP
            ---------------------------------------------------------
               (Exact name of registrant as specified in charter)

         INDIANA                        0-22423                  35-1782688
- -----------------------------    ------------------------     ---------------
(State or other jurisdiction     (Commission File Number)     (I.R.S. Employer
    of incorporation)                                        Identification No.)


                2118 BUNDY AVENUE, NEW CASTLE, INDIANA    47263-1048
            ---------------------------------------------------------
               (Address of principal executive offices)   (Zip Code)


       Registrant's telephone number, including area code: (765) 529-2230
                                                           --------------

                                 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 July 26, 2005, Ameriana Bancorp (the "Company"), the holding company
for Ameriana Bank and Trust, SB, issued a press release announcing its unaudited
financial results for the quarter and six months ended June 30, 2005. For more
information, reference is made to the Company's press release dated July 26,
2005, a copy of which is attached to this Report as Exhibit 99.1 and is
furnished herewith.

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

       (a)    Financial Statements of Businesses Acquired: Not applicable

       (b)    Pro Forma Financial Information:  Not applicable

       (c)    Exhibits

              Number            Description
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              99.1              Press Release dated July 26, 2005




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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.


                                        AMERIANA BANCORP



Dated: July 26, 2005                    By: /s/ Bradley L. Smith
                                            ------------------------------------
                                            Bradley L. Smith
                                            Senior Vice President-Treasurer and
                                            Chief Financial Officer