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):
January 21, 2004
PHSB Financial Corporation
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(Exact name of Registrant as specified in its Charter)
Pennsylvania 0-33419 25-1894708
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(State or other jurisdiction (SEC File No.) (IRS Employer Identification
of incorporation) Number)
744 Shenango Road, Beaver Falls, Pennsylvania 15010
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (724) 846-7300
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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
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Item 7. Exhibits
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(c) Exhibits
Exhibit 99 -- Press Release, dated January 21, 2004.
Item 12. Results of Operations and Financial Condition
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On January 21, 2004, PHSB Financial Corporation issued a press release
to report earnings for the year ended December 31, 2003. A copy of the press
release is furnished as Exhibit 99 to this 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.
PHSB FINANCIAL CORPORATION
Date: January 21, 2004 By: /S/Richard E. Canonge
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Richard E. Canonge
Chief Financial Officer