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): January 31, 2006


                         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 January 31, 2006, North Central Bancshares, Inc. (the "Company")
announced its earnings for the fourth quarter of 2005. A copy of the press
release dated January 31, 2006, 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 January 31, 2006.



                                   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: January 31, 2006





                                  EXHIBIT INDEX

     Exhibit No.                   Description
     ------- ---                   -----------
        99.1            Press Release dated January 31, 2006.