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.


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                                   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


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