SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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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 1, 2005
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First Federal Bankshares, Inc.
(Exact name of registrant as specified in its charter)
Delaware 0-25509 42-1485449
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(State or other jurisdiction (Commission File No.) (I.R.S. Employer
of incorporation) Identification No.)
329 Pierce Street, Sioux City, Iowa 51101
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(Address of principal executive offices)
(712) 277-0200
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(Registrant's telephone number, including area code)
Not Applicable
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(Former name or former address if changed since last report)
Check the appropriate box below if the Form 8-K is intended to simultaneously
satisfy the filing obligations of the registrant under any of the following
provisions (see General Instructions A.2. below):
[_] Written communications pursuant to Rule 425 under the securities Act (12
C.F.R. 230.425)
[_] Soliciting material pursuant to Rule 14a-2 under the Exchange Act (17
C.F.R. 240.14a-12)
[_] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 C.F.R. 240.14d-2(b))
[_] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 C.F.R. 240.13e-(c))
Item 2.02. Results of Operations and Financial Condition
On November 1, 2005, First Federal Bankshares, Inc. issued a press release
regarding its results of operations and financial condition at and for the
three-month period ended September 30, 2005. The text of the press release and a
related financial supplement are included as Exhibit 99.1 to this report. The
information included in the press release text and the financial supplement is
considered to be "furnished" under the Securities Exchange Act of 1934. The
Company will include final financial statements and additional analyses at and
for the three-month period ended September 30, 2005, as part of its Form 10-Q
covering that period.
Item 9.01. Financial Statements and Exhibits
(a) Not applicable.
(b) Not applicable.
(c) Exhibits: The following exhibit is being furnished herewith:
Exhibit No. Exhibit Description
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99.1 Press release text and financial supplement of
First Federal Bankshares, Inc. dated November 1, 2005.
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SIGNATURE
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.
FIRST FEDERAL BANKSHARES, INC.
DATE: November 3, 2005 By: /s/Barry Backhaus
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Barry Backhaus
President and Chief Executive Officer
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