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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): October 31, 2005


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

       INDIANA                         0-18392                    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 October 31, 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 three and nine-month periods ended September 30, 2005.
For more information, reference is made to the Company's press release dated
October 31, 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 October 31, 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: October 31, 2005             By: /s/ Bradley L. Smith
                                        ----------------------------------------
                                        Bradley L. Smith
                                        Senior Vice President-Treasurer and
                                        Chief Financial Officer