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): August 6, 2004 WEBSTER CITY FEDERAL BANCORP ---------------------------- (Exact name of registrant as specified in its charter) Federal 0-26577 42-1491186 --------------------------- ------------------- ------------ (State or other jurisdiction (Commission File No.) (IRS Employer of incorporation) Identification No.) 820 Des Moines Street, Webster City, Iowa 50595-0638 - ----------------------------------------- ---------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (515) 832-3071 Not Applicable -------------- (Former name or former address, if changed since last report) Item 7. Financial Statements and Exhibits. (a) Not Applicable. (b) Not Applicable. (c) Exhibits. Exhibit No. Description ----------- ----------- 99 Press release dated August 6, 2004 Item 9. Regulation FD Disclosure. The following information is furnished pursuant to this Item 9 and in satisfaction of Item 12, "Disclosure of Results of Operations and Financial Condition." On August 6, 2004, Webster City Federal Bancorp (the "Company") announced earnings of the Company for the quarter ended June 30, 2004. A copy of the press release dated August 6, 2004, announcing the earnings for the quarter ended June 30, 2004, is attached as Exhibit 99 to this report. 2 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. WEBSTER CITY FEDERAL BANCORP DATE: August 6, 2004 By: /s/ Phyllis A. Murphy --------------------- Phyllis A. Murphy President and Chief Executive Officer 3