SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): August 27, 2003 High Country Financial Corporation ---------------------------------- (Exact name of registrant as specified in its charter) North Carolina 000-1177182 01-0731354 -------------- ----------- ---------- (State or other jurisdiction (Commission File No.) (IRS Employer of incorporation) Identification No.) 149 Jefferson Road Boone, North Carolina 28607 --------------------------- (Address of principal executive offices) Registrant's telephone number, including area code: (828) 265-4333 -------------- N/A ----------------------------------------------------------- (Former name or former address, if changed since last report) High Country Financial Corporation INDEX Page ---- Item 7 - Exhibits 3 Item 9 - Regulation FD Disclosure 3 Signatures 4 Exhibit 99(a) Joint Press Release of High Country Financial Corporation and Yadkin Valley Bank and Trust Company, dated August 27, 2003 6 Exhibit 99(b) Agreement and Plan of Reorganization and Merger dated 8 August 27, 2003 Item 7. Financial Statements and Exhibits (c) Exhibits (99)(a) Joint Press Release of the Registrant and Yadkin Valley Bank and Trust Company, dated August 27, 2003 (99)(b) Agreement and Plan of Reorganization and Merger dated August 27, 2003 Item 9. Regulation FD Disclosure On August 27, 2003, High Country Financial Corporation ("High Country") and Yadkin Valley Bank and Trust Company ("Yadkin Valley") announced that the two community banks have reached a definitive agreement whereby Yadkin Valley will acquire High Country. The transaction is subject to approval of the shareholders of both High Country Financial Corporation and Yadkin Valley Bank and Trust Company and approval by Federal and State regulatory authorities and other conditions customary for transactions of this type. The news of this event was released on August 27, 2003, as evidenced by Exhibit 99(a) to this Form 8-K. A copy of Agreement and Plan of Reorganization and Merger dated August 27, 2003 is attached as Exhibit (99)(b) to this Form 8-K. 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. HIGH COUNTRY FINANCIAL CORPORATION Date: September 4, 2003 By: /s/ John M. Brubaker ------------------------------ John M. Brubaker, President and Chief Executive Officer EXHIBIT INDEX Exhibit No. Description ----------- ----------- (99)(a) Joint Press Release of the Registrant and Yadkin Valley Bank and Trust Company, dated August 27, 2003 2003 (99)(b) Agreement and Plan of Reorganization and Merger dated August 27, 2003