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

                           GREAT PEE DEE BANCORP, INC.
               (Exact Name of Registrant as Specified in Charter)

   Delaware                         000-23521                      562050592
- ------------------              ------------------              --------------
(State or Other Jurisdiction)   (Commission File No.)         (I.R.S. Employer
   of Incorporation)                                        Identification No.)


515 Market Street, Cheraw, South Carolina                           29520
- --------------------------------------------                     ----------
(Address of Principal Executive Offices)                         (Zip Code)

Registrant's telephone number, including area code:  (843) 537-7656
                                                     --------------



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









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

         The Index of Exhibits immediately precedes the attached exhibits.

Item 12. Results of Operations and Financial Condition
         ---------------------------------------------

     On July 20, 2004, the Company issued a press release regarding its earnings
for the fiscal  year ended  June 30,  2004.  The press  release is  included  as
Exhibit 99 to this report.








                                   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.

                                           GREAT PEE DEE BANCORP, INC.



DATE: July 26, 2004                    By: /s/ Herbert W. Watts
                                           -------------------------------------
                                           Herbert W. Watts
                                           President and Chief Executive Officer








                                  EXHIBIT INDEX

The following exhibits are filed as part of this report:

         Exhibit No.                       Description

            99                     Press Release of Great Pee Dee Bancorp, Inc.











                                   EXHIBIT 99

                  PRESS RELEASE OF GREAT PEE DEE BANCORP, INC.