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) July 20, 2004 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) 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 July 20, 2004 Item 12. Results of Operations and Financial Condition - ------------------------------------------------------ On July 20, 2004, the Registrant issued a press release to report operating results for the quarter ended June 30, 2004 as well as the announcement of a regular quarterly dividend of $0.35 to shareholders of record on July 30, 2004, payable on August 16, 2004. A copy of the press release is furnished with this Form 8-K as Exhibit 99. -2- 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: July 21, 2004 By: /s/Donald A. Glas ------------------------- Donald A. Glas Chief Executive Officer