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)
                                 April 21, 2003





                               FSF Financial Corp.
             ------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)



Minnesota                                  0-24648                41-1783064
- ---------                                  -------                ----------
(State or other jurisdiction        (Commission File Number)      (IRS Employer
     of incorporation)                                            Identification
                                                                  Number)


201 Main Street South, Hutchinson, Minnesota                        55350-2573
- --------------------------------------------                        ----------
(Address of principal executive offices)                            (Zip Code)




Registrant's telephone number, including area code: (320) 234-4500
                                                    --------------



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




                               FSF FINANCIAL CORP.

                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------

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

         (c) Exhibits:

                  99.1     Press Release dated April 21, 2003


Item 9.  Regulation FD Disclosure
- -------  ------------------------

         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 21, 2003,  the  Registrant  issued a press release to report
operating  results for the quarter  ended  March 31,  2003.  A copy of the press
release is furnished with this Form 8-K as an exhibit.


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                                   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.


                                            FSF Financial Corp.



Date: April 21, 2003                        By:   /s/Donald A. Glas
                                                  ------------------------------
                                                  Donald A. Glas
                                                  Chief Executive Officer




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