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UNITED STATES
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): July 27, 2004
WESTBOROUGH FINANCIAL SERVICES, INC.
(Exact name of registrant as specified in its charter)
Massachusetts 000-27997 04-3504121
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
100 E. Main Street, Westborough, MA 01581
(Address of principal executive offices)(Zip Code)
Registrant's telephone number, including area code: (508) 366-4111
Not Applicable
(Former name or former address, if changed since last report)
Items 1 through 6. Not applicable.
Item 7. Financial Statements and Exhibits
(a) No financial statements are required to be filed with this
report.
(b) No pro forma financial information is required to be filed with
this report.
(c) The following exhibit is filed with this Report:
Exhibit No. Description
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99.1 Press release issued by Westborough Financial Services,
Inc. on July 27, 2004, furnished in accordance with
Item 12 of this Current Report on Form 8-K.
Items 8 through 11. Not applicable.
Item 12. Results of Operations and Financial Condition
On July 27, 2004, Westborough Financial Services, Inc. announced its
earnings for the third quarter of the 2004 fiscal year. A copy of the
press release dated July 27, 2004, describing third quarter earnings is
attached as Exhibit 99.1.
This information and Exhibit 99.1 shall not be deemed "filed" for
purposes of Section 18 of the Securities Exchange Act of 1934, as amended
(the "Exchange Act"), or otherwise subject to the liabilities of that
section, nor shall it be deemed incorporated by reference in any filing
under the Securities Act of 1933, as amended, or the Exchange Act, except
as shall be expressly set forth by specific reference in such a 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.
WESTBOROUGH FINANCIAL SERVICES, INC.
By: /s/ John L. Casagrande
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John L. Casagrande
Senior Vice President, Treasurer and
Clerk
Date: July 27, 2004
EXHIBIT INDEX
Exhibit Description
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99.1 Press Release dated July 27, 2004.