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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 28, 2004
WESTFIELD FINANCIAL, INC.
(Exact name of registrant as specified in its charter)
Massachusetts 001-16767 73-1627673
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
141 Elm Street, Westfield, Massachusetts 01085
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (413) 568-1911
Not Applicable
(Former name or former address, if changed since last report)
Items 1-4. Not applicable.
Item 5. Other Events
On July 23, 2004, Westfield Financial, Inc., Westfield
Mutual Holding Company and Westfield Bank completed the
transactions contemplated by the Amended Plan of Charter
Conversion (the "Plan") dated September 23, 2004, pursuant to
which (i) Westfield Mutual Holding Company converted its
charter from that of a Massachusetts-chartered mutual holding
company to a federally-chartered mutual holding company, (ii)
Westfield Bank converted its charter from that of a
Massachusetts-chartered savings bank to a federally-chartered
savings bank and (iii) Westfield Financial, Inc. became a mid-
tier stock holding company for Westfield Bank in federal form.
The press release announcing completion of the transactions
contemplated by the Plan is included herewith as Exhibit 99.1.
Item 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 as part of this Report:
Exhibit No. Description
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99.1 Press release issued by Westfield Financial, Inc. (the
"Company") on July 28, 2004, furnished in accordance with
Item 12 of this Current Report on Form 8-K.
Items 8-11. Not applicable.
Item 12. Results of Operations and Financial Condition
On July 28, 2004, the Company announced its earnings for
the second quarter of the 2004 fiscal year. A copy of the press
release dated July 28, 2004, describing second 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.
WESTFIELD FINANCIAL, INC.
By: /s/ Michael J. Janosco, Jr.
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Name: Michael J. Janosco, Jr.
Title: Chief Financial Officer and
Treasurer
Date: July 28, 2004
EXHIBIT INDEX
Exhibit No. Description
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99.1 Press Release dated July 28, 2004.