UNITED STATES
                       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): July 25, 2003

                         NORTH CENTRAL BANCSHARES, INC.
             (Exact name of registrant as specified in its charter)

            Iowa                          0-27672                42-1449849
(State or other jurisdiction of       (Commission File         (IRS Employer
    incorporation) Number)                                   Identification No.)

          c/o First Federal Savings Bank of Iowa, 825 Central Avenue,
                             Fort Dodge, Iowa 50501
               (Address of principal executive offices) (Zip Code)

       Registrant's telephone number, including area code: (515) 576-7531

                                 Not Applicable
          (Former name or former address, if changed since last report)


Item 1-6.   Not applicable.

Item 7.     Financial Statements, Pro Forma Financial Information and Exhibits

(c)         The following exhibits are filed with this Report:
            Exhibit No.      Description
            -----------      -----------

            99.1             Press release issued by North Central Bancshares,
                             Inc. (the "Company") on July 25, 2003, furnished in
                             accordance with Item 12 of this Current Report on
                             Form 8-K.

Item 8.     Not applicable.

Item 9.     Regulation FD

            The following information is furnished under this Item 9 in
            satisfaction of Item 12, "Disclosure of Results of Operations
            and Financial Condition."

            On July 25, 2003, the Company announced its earnings for the
            second quarter of the 2003 fiscal year. A copy of the press
            release dated July 25, 2003, describing second quarter
            earnings is attached as Exhibit 99.1.

Item 10-11. Not applicable.

Item 12.    Results of Operations and Financial Condition

            See Item 9 per SEC Release 33-8216, March 27, 2003.


                                   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.



                          NORTH CENTRAL BANCSHARES, INC.


                          By:    /s/ David M. Bradley
                                 --------------------
                          Name:  David M. Bradley
                          Title: Chairman, President and Chief Executive Officer

Date: July 25, 2003


                                  EXHIBIT INDEX



  Exhibit No.                      Description
  -----------                      -----------
     99.1                Press Release dated July 25, 2003.