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
January 23, 2004
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Date of Report (Date of earliest event reported)
Advance Financial Bancorp
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(Exact name of Registrant as specified in its Charter)
Delaware 0- 21885 55-0753533
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(State or other jurisdiction (File No.) (IRS Employer
of incorporation) Identification Number)
1015 Commerce Street, Wellsburg, West Virginia 26070
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (304) 737-3531
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Not Applicable
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(Former name or former address, if changed since last Report)
ADVANCE FINANCIAL BANCORP
INFORMATION TO BE INCLUDED IN REPORT
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Item 7. Financial Statements, Pro Forma Financial Information
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and Exhibits
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Exhibit
Number Description
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99 Press Release dated January 23, 2004
Item 12. Results of Operations and Financial Condition
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On January 23, 2004, the Registrant issued a press release to report
earnings for the quarter ended December 31, 2003. A copy of the press release is
furnished with this Form 8-K as exhibit 99.
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, thereunto duly authorized.
ADVANCE FINANCIAL BANCORP
Date: January 23, 2004 By: /s/Stephen M. Magnone
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Stephen M. Magnone
Treasurer