SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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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 29, 2003
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SKIBO FINANCIAL CORP.
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(Exact Name of Registrant as specified in its Charter)
United States 000-25009 25-1820465
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(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
242 East Main Street, Carnegie, Pennsylvania 15106
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (412) 276-2424
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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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(c) Exhibits:
99.1 Press release dated April 29, 2003
Item 12. Disclosure of Results of Operations and Financial Condition
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A copy of a press release issued April 29, 2003 by the Registrant is
attached hereto as Exhibit 99 and is furnished to the Securities and Exchange
Commission pursuant to the requirements of Item 12 of Form 8-K.
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.
SKIBO FINANCIAL CORP.
Date: April 29, 2003 By: /s/ Walter G. Kelly
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Walter G. Kelly
President and Chief Executive Officer