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 20, 2004
Fidelity Bankshares, Inc.
-----------------------------------------------------
(Exact name of registrant as specified in its charter)
Delaware 000-29040 65-0717085
-------------------- ---------------------- -------------------
(State or other jurisdiction (SEC File Number) (I.R.S. Employer
of incorporation) Identification No.)
205 Datura Street, West Palm Beach, Florida, 33401
----------------------------------------------------
(Address of principal executive offices)
Registrant's telephone number, including area code: (561) 803-9900
Not Applicable
-------------------------------------------------------------------------
(Former name or former address, if changed since last report)
CURRENT REPORT ON FORM 8-K
Item 7. Financial Statements and Exhibits
(a) No financial statements of businesses acquired are required.
(b) No pro forma financial information is required.
(c) Attached as an exhibit is Fidelity Bankshares, Inc.'s (the
"Company") news release announcing its June 30, 2004 earnings.
Item 12. Results of Operations and Financial Condition
The Company announced its June 30, 2004 financial results by release.
The press release is included as an exhibit.
SIGNATURE
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 Bankshares, Inc.
DATE: July 20, 2004 By: /s/ Vince A. Elhilow
------------------------------
Vince A. Elhilow
Chairman of the Board
and Chief Executive Officer
EXHIBIT INDEX
99.1 News release dated July 20, 2004 announcing June 30, 2004 earnings.