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): October 27, 2004

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

           Iowa                       0-27672                    42-1449849
(State or other jurisdiction        (Commission                (IRS Employer
     of incorporation)              File 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)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR
    230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
    240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))


Item 2.02      Results of Operations and Financial Condition

         On October 27, 2004, North Central Bancshares, Inc. (the "Company")
announced its earnings for the third quarter of the 2004 fiscal year. A copy of
the press release dated October 27, 2004, describing the third quarter earnings
is attached as Exhibit 99.1.

Item 9.01      Financial Statements and Exhibits

(c)      The following exhibit is furnished with this Report:

         Exhibit No.    Description
         -----------    -----------

         99.1           Press release issued by the Company on October 27, 2004.




                                   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: October 27, 2004





                                  EXHIBIT INDEX

Exhibit No.                        Description
- -----------                        -----------
  99.1                Press Release dated October 27, 2004.