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) October 28, 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) 2 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 October 28, 2003 Item 12. Results of Operations and Financial Condition - ------------------------------------------------------ On October 28, 2003, the Registrant issued a press release to report operating results for the fourth quarter and fiscal year ended September 30, 2003. A copy of the press release is furnished with this Form 8-K as an exhibit. 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: October 29, 2003 By: /s/Donald A. Glas -------------------------- Donald A. Glas Chief Executive Officer