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: July 17, 2003 Merchants Bancshares, Inc. (Exact name of registrant as specified in its charter) Vermont 0-11595 0-30287342 (State or Other jurisdiction (Commission File No.) (IRS Employer of incorporation) Identification No.) 275 Kennedy Drive 05403 So. Burlington, Vermont (Zip Code) (Address of principal executive offices) (802) 658-3400 (Registrant's telephone number, including area code) - -------------------------------------------------------------------------- Item 7. Financial Statements, Pro forma Financial Information and Exhibits. (a). Inapplicable (b). Inapplicable (c). Exhibits 99.1 Press Release issued by Merchants Bancshares, Inc. (the "Company") on July 17, 2003, announcing the Company's results for the quarter ended June 30, 2003. Item 9. Regulation FD Disclosure (furnished under Item 12) On July 17, 2003, the Company announced its results of operations for the quarter ended June 30, 2003. A copy of the related press release is being filed as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference. The information provided in this Form 8-K is being furnished under Items 9 and 12 of Form 8-K. - -------------------------------------------------------------------------- SIGNATURES Pursuant to the requirements of the Securities and Exchange Act of 1934, the Company has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. MERCHANTS BANCSHARES, INC. By: /s/ Joseph L. Boutin --------------------- Joseph L. Boutin President and Chief Executive Officer Date: July 17, 2003 - --------------------------------------------------------------------------