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 22, 2004


                            FIDELITY FEDERAL BANCORP
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)

         Indiana                          0-22880              35-1894432
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(State of other jurisdiction            Commission              (Employer
     of Incorporation)                   File No.           Identification No.)


                               18 NW Fourth Street
                            Evansville, Indiana 47708
         ---------------------------------------------------------------
                    (Address of principal executive offices)



                                 (812) 424-0921
         ---------------------------------------------------------------
               Registrant's telephone number, including area code



The information in this Current Report on Form 8-K, including the exhibit, is
furnished pursuant to Item 9 and Item 12 and shall not be deemed "filed" for the
purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise
subject to the liabilities under that Section. Furthermore, the information in
this Current Report on Form 8-K, including the exhibit, shall not be deemed to
be incorporated by reference into the filings of Fidelity Federal Bancorp (the
"Company") under the Securities Act of 1933.


Item 7.  Financial Statements and Exhibits


Item 9.  Regulation FD Disclosure

         On January 22, 2004, Fidelity Federal Bancorp issued the press
         release attached hereto as exhibit 99.1, pursuant to Item 9 and also
         pursuant to Item 12.


(c)      Exhibits

99.1     Press release, dated, January 22, 2004.





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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.




                                                FIDELITY FEDERAL BANCORP
                                                (Registrant)

Date: January 23, 2004                          By: /s/ DONALD R. NEEL
      ----------------                              ------------------------
                                                    Donald R. Neel
                                                    President and CEO















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                                Index to Exhibits


Exhibit No.                                         Description


99.1                                    Press Release dated January 22, 2004

















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