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 14, 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)

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 14, 2004, the Company issued a press release regarding its
earnings for the fiscal quarter ended September 30, 2004. The press release is
included as Exhibit 99 to this report.

Item 9.01.        Financial Statements and Exhibits

         The Index of Exhibits immediately precedes the attached exhibits.







                                   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: October 18, 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.