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


                                November 28, 2005
                ------------------------------------------------
                Date of Report (Date of earliest event reported)


                               Bucs Financial Corp
                ------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


         Maryland                       000-32437             52-2265986
- ---------------------------           --------------      ----------------------
(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)

         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:

|_|  Written  communications  pursuant to Rule 425 under the  Securities Act
|_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
|_|  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act
|_|  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act



                               BUCS FINANCIAL CORP

                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------


Item 8.01         Other Events
- ------------------------------

         On November 28, 2005, the  Registrant's  Board of Directors  declared a
10% stock  dividend.  A copy of the press release  announcing the declaration of
the stock dividend is furnished with this Form 8-K as exhibit 99.


Item 9.01         Financial Statements and Exhibits
- ---------------------------------------------------


     Exhibit
     Number                      Description
     ------                      -----------

       99       Press Release dated November 29, 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, thereunto duly authorized.

                                  BUCS FINANCIAL CORP



Date: November 29, 2005           By:  /s/Matthew J. Ford
                                       -----------------------------------------
                                       Matthew J. Ford
                                       Senior Vice President and Chief Financial
                                       Officer