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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): January 29, 2004
ATLANTIC BANCGROUP, INC.
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(Exact name of registrant as specified in its charter)
Florida 001-15061 59-3543956
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(State or other jurisdiction Commission File Number (I.R.S. Employer
Of incorporation) Identification No.)
1315 South Third Street
Jacksonville Beach, Florida 32250
(address of principal executive offices)
Registrant's telephone number: (904) 247-9494
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ITEM 7. Financial Statements and Exhibits.
(c) Exhibits.
The following exhibit is being furnished with this Report:
99.1 Press Release (solely furnished and not filed for purposes of Item 12).
ITEM 12. Results of Operation and Financial Condition
On January 29, 2004, Atlantic BancGroup, Inc. issued a press release announcing
its financial results for the fiscal year ended December 31, 2003. A copy of the
press release is furnished as Exhibit 99.1 to this report.
Date: January 29, 2004
Atlantic BancGroup, Inc.
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(Registrant)
By:/s/ Barry W. Chandler
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Barry W. Chandler
President and Chief Executive Officer