=========================================================================== 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): November 16, 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) 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)) Item 2.02. Results of Operations and Financial Condition. On November 16, 2004, Westborough Financial Services, Inc. (the "Company") issued a press release announcing its financial results for the fiscal year ended September 30, 2004. A copy of the press release is furnished as Exhibit No. 99.1. Item 9.01. Financial Statements and Exhibits. (c) Exhibit No. Description ----------- ----------- 99.1 Press release issued by the Company on November 16, 2004. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Company 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 --------------------------------- Name: John L. Casagrande Title: Senior Vice President and Treasurer Date: November 16, 2004 EXHIBIT INDEX Exhibit No. Description - ----------- ----------- 99.1 Press Release dated November 16, 2004. <PAGE