================================================================================ 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) February 11, 2005 ----------------- 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) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below) [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)). ================================================================================ GFSB BANCORP, INC. INFORMATION TO BE INCLUDED IN REPORT ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION - --------------------------------------------------------- On February 11, 2005, the Registrant issued a press release to report earnings for the quarter and six months ended December 31, 2004. A copy of the press release is furnished with this report as exhibit 99.1. ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS - -------------------------------------------- (c) Exhibits: 99.1 Press Release, dated February 11, 2005 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: February 11, 2005 By: /s/ Jerry R. Spurlin ---------------------------------- Jerry R. Spurlin Chief Financial Officer (Duly Authorized Representative)