================================================================================ 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) May 14, 2004 GFSB Bancorp, Inc. - -------------------------------------------------------------------------------- (Exact name of Registrant as specified in its Charter) Delaware 0-25854 04-2095007 - ---------------------------- ---------------- ------------- (State or other jurisdiction (Commission File (IRS Employer of incorporation) Number) Identification No.) 221 West Aztec Avenue, Gallup, New Mexico 87301 - ----------------------------------------- ----- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (505) 726-6500 -------------- Not Applicable ------------------------------------------------------------- (Former name or former address, if changed since last Report) ================================================================================ GFSB BANCORP, INC. INFORMATION TO BE INCLUDED IN REPORT ------------------------------------ Item 7. Financial Statements and Exhibits --------------------------------- (c) Exhibits: 99.1 Press Release dated May 14, 2004 Item 12. Results of Operation and Financial Condition - -------- -------------------------------------------- On May 14, 2004, the Registrant issued a press release to report earnings for the quarter and nine months ended March 31, 2004. A copy of the press release is furnished with this report as exhibit 99.1. 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. GFSB Bancorp, Inc. Date: May 14, 2004 By: /s/Jerry R. Spurlin -------------------------------- Jerry R. Spurlin Chief Financial Officer (Duly Authorized Representative)