SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES AND EXCHANGE ACT OF 1934 Date of Report (Date of earliest event report) March 31, 2004. ROYAL BANCSHARES OF PENNSYLVANIA, INC. -------------------------------------- (Exact name of registrant as specified in its charter) PENNSYLVANIA ------------ (State or Other Jurisdiction of Incorporation) 0-26366 23-2812193 -------- ------------------ (Commission File Number) (IRS Employer Identification Number) 732 Montgomery Avenue, Narberth, Pennsylvania 19072 - --------------------------------------------- ------ (Address of Principal Executive Office) (Zip Code) 610-668-4700 ------------ (Issuer's telephone number, including area code) N/A --- (Former Name or Former Address, if Change Since Last Report) Item 5. Other Events Royal Bancshares of Pennsylvania, Inc. announced net income for three months ended March 31, 2004 and the declaration of a cash dividend as detailed in the attached Press Release as Exhibit 99.7. Item 7. Financial Statement and Exhibits. (c.) Exhibits Exhibit Number Description of Document -------------- ----------------------- 99.7 Press Release dated April 23, 2004. SIGNATURES ---------- ROYAL BANCSHARES OF PENNSYLVANIA, INC ------------------------------------- Dated: April 23, 2004 /s/ Jeffrey T. Hanuscin ----------------------- Jeffrey T. Hanuscin Chief Financial Officer.