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)
April 16, 2003
BEDFORD BANCSHARES, INC.
(Exact name of Registrant as specified in its Charter)
Virginia 0-24330 54-1709924
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(State or other jurisdiction (SEC File No.) (IRS Employer
of incorporation) Identification Number)
125 West Main Street, Bedford, Virginia 24523
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (540) 586-2590
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Not Applicable
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(Former name or former address, if changed since last Report)
INFORMATION TO BE INCLUDED IN REPORT
Item 7. Financial Statements, Pro Forma Financial Information
and Exhibits
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Exhibit
Number Description
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99 Press Release dated April 16, 2003
Item 9. Regulation FD Disclosure
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Information under this Item 9 is being provided pursuant to Item 12 -
Results of Operations and Financial Condition in accordance with Release No.
34-47583. On April 16, 2003, the Registrant issued a press release to report
earnings for the quarter ended March 31, 2003. A copy of the press release is
furnished with this Form 8-K as exhibit 99.
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, thereunto duly authorized.
BEDFORD BANCSHARES, INC.
Date: April 16, 2003 By: /s/ Harold K. Neal
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Harold K. Neal
President