UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20552


                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934


                                   May 9, 2003
                ------------------------------------------------
                Date of Report (Date of earliest event reported)



                               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, MN                               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 4.  Changes in Registrant's Certifying Accountant
         ---------------------------------------------

     On May 9, 2003,  Larson,  Allen,  Weishair  Company LLP,  ("Larson  Allen")
Certified Public Accountants, resigned as the Registrant's independent auditors,
and the Registrant appointed Crowe Chizek and Company LLP as its new independent
auditors. The decision to change accountants was approved by the audit committee
of the Registrant's Board of Directors.

     Larson  Allen's  reports  on  the   Registrant's   consolidated   financial
statements for the two fiscal years ended  September 30, 2002 did not contain an
adverse opinion or disclaimer of opinion,  and were not qualified or modified as
to uncertainty, audit scope or accounting principles.

     In connection  with audits of the two fiscal years ended September 30, 2002
and any  subsequent  interim  period  preceding  the date hereof,  there were no
disagreements  or reportable  events  between the Registrant and Larson Allen on
any  matters  of  accounting   principles  or  practices,   financial  statement
disclosure,  or  auditing  scope or  procedure,  which,  if not  resolved to the
satisfaction of Larson Allen,  would have caused them to make a reference to the
subject  matter of the  disagreements  or reportable  events in connection  with
their reports.

     Effective  May  9,  2003,  the  Registrant  engaged  Crowe  Chizek  as  its
independent auditors. During the two most recent fiscal years and the subsequent
interim  period to the date hereof,  the  Registrant  did not consult with Crowe
Chizek regarding any of the matters or events set forth in Item 304(a)(2)(i) and
(ii) of Regulation S-K.


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

         (a)  Not applicable.

         (b)  Not applicable.

         (c)  Exhibits.

         16.1 Letter  of  concurrence  from  Larson  Allen,   Certified   Public
              Accountants, regarding change in certifying accountant

         99.0 Press Release Dated May 9, 2003




                                   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: May 9, 2003                          By: /s/ Richard H. Burgart
                                               ---------------------------------
                                               Richard H. Burgart
                                               Chief Financial Officer