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 March 3, 2004 ----------------------------------------------------------------------------- Date of Report (Date of earliest event reported) BUCS FINANCIAL CORP --------------------------------------------------------- (Exact name of Registrant as specified in its Charter) Maryland 0-32437 52-2269586 - -------------------------- ---------- ---------------------- (State or other jurisdiction (File No.) (IRS Employer of incorporation) Identification Number) 10455 Mill Run Circle, Owings Mills, Maryland 21117 - --------------------------------------------- ---------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 998-5304 -------------- Not Applicable ------------------------------------------------------------- (Former name or former address, if changed since last Report) BUCS FINANCIAL CORP INFORMATION TO BE INCLUDED IN REPORT ------------------------------------ ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS - --------------------------------------------------------------------------- Exhibit 99 -- Press Release dated March 3, 2004. - ---------- ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION - ------------------------------------------------------- On March 3, 2004, BUCS Financial Corp 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, thereunto duly authorized. BUCS FINANCIAL CORP Date: March 3, 2004 By: /s/ Matthew J. Ford ----------------------------------------- Matthew J. Ford Chief Financial Officer