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 31, 2005

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

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


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 31, 2005, North Central Bancshares, Inc. (the "Company")
announced its earnings for the third quarter of 2005. A copy of the press
release dated October 31, 2005, 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 31, 2005.




                                   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 31, 2005





                                  EXHIBIT INDEX

     Exhibit No.                  Description
     -----------                  -----------
         99.1           Press Release dated October 31, 2005.