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 21, 2005

                                   ----------

                         First Federal Bankshares, Inc.
             (Exact name of registrant as specified in its charter)


         Delaware                       0-25509                   42-1485449
- ----------------------------    ------------------------     ------------------
(State or other jurisdiction    (Commission File Number)      (I.R.S. Employer
     of incorporation)                                       Identification No.)


329 Pierce Street, Sioux City, Iowa                                51101
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(Address of principal executive offices)                        (Zip Code)


                                 (712) 277-0200
              ----------------------------------------------------
              (Registrant's telephone number, including area code)

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 CRF 240.13e-4(c))






Item 5.02.  Departure of Directors or Principal Officers; Election of Directors;
            Appointment of Principal Officers.

     On July 21,  2005,  Ronald A.  Jorgensen  was  appointed  to the  boards of
directors of First  Federal  Bankshares,  Inc.  (the  "Company")  and its wholly
subsidiary,  First  Federal  Bank (the  "Bank").  There are no  arrangements  or
understandings  between Mr. Jorgensen and any other person pursuant to which Mr.
Jorgensen  became a director.  Mr.  Jorgensen is not a party to any  transaction
with the  Company or the Bank that would  require  disclosure  under Item 404 of
Securities and Exchange Commission Regulation S-K.

     Attached  as  Exhibit  99 to this  report is the  Company's  press  release
announcing the appointment.

Item 9.01.  Financial Statements and Exhibits.

     (a)  Not Applicable.

     (b)  Not Applicable.

     (c)  Exhibits.

          99   Press release dated July 21, 2005











                                    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.

                                            FIRST FEDERAL BANKSHARES, INC.

Dated: July 25, 2005                   By:  /s/ Katherine Bousquet
                                            ------------------------------------
                                            Katherine Bousquet
                                            Senior Vice President, Treasurer and
                                              Chief Financial Officer
                                            (Duly authorized representative)









                                   EXHIBIT 99