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): February 9, 2004



                            HFB FINANCIAL CORPORATION
             (Exact name of Registrant as specified in its charter)


         Tennessee                  0-20956                      61-1228266
         ---------                  -------                      ----------
(State or Other Jurisdiction      (Commission                 (I.R.S. Employer
      of Incorporation)           File Number)              Identification No.)


               1602 Cumberland Avenue, Middlesboro, Kentucky 40965
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                    (Address of principal executive offices)


                                 (606) 248-1095
                                 --------------
               Registrant's telephone number, including area code


                                 Not Applicable
                                 --------------
          (Former Name or former address, if changed since last report)




Item  7.  Financial Statements, Pro Forma Financial Statements and Exhibits
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     (c) The following  exhibit is filed herewith Exhibit 99 Press Release dated
February 9, 2004

Item 12.  Results of Operations and Financial Condition.
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     On February  9, 2004,  HFB  Financial  Corporation  issued a press  release
announcing  the results for the quarter ended  December 31, 2004. A copy of this
press  release  is as  Exhibit  99  and  incorporated  by  reference  herein  by
reference.



                                   SIGNATURES

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant has duly caused this report to be signed on behalf by the undersigned
hereunto duly authorized.

                                     HFB FINANCIAL CORPORATION


Date:   February 12, 2004           By:   /s/ David B. Cook
                                          -----------------
                                          David B. Cook
                                          President and Chief Executive Officer
                                         (Duly Authorized Representative)