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                       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 29, 2004
                                                          -------------


                         FIRST WASHINGTON FINANCIALCORP
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)


         NEW JERSEY                    000-32949                 52-2150671
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(State or other jurisdiction          (Commission              (IRS Employer
     of incorporation)                File Number)           Identification No.)


US ROUTE 130 & MAIN STREET
WINDSOR, NEW JERSEY                                                08561
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(Address of principal executive offices)                         (Zip Code)



        Registrant's telephone number, including area code (609) 426-1000
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Item 7.  Exhibits.
         ---------

         (c) The following exhibits are filed with this Current Report on Form
             8-K.

         Exhibit No.        Description
         -----------        -----------
         99.1               Press Release released July 29, 2004 announcing the
                            Registrant's results for the second quarter of 2004.

Item 12. Results of Operations and Financial Condition.
         ----------------------------------------------

         The Registrant issued a press release on July 29, 2004 announcing the
Registrant's results of operations for the second quarter of 2004. A copy of the
press release is attached hereto as Exhibit 99.1 and is hereby incorporated by
reference.

         The information furnished in this report, including the exhibit to the
Form 8-K, shall not be deemed "filed" for purposes of Section 18 of the
Securities Exchange Act of 1934 ("Exchange Act") or incorporated by reference in
any filing under the Securities Act of 1933, as amended, or the Exchange Act,
except as shall be expressly set forth by specific reference in such a filing.







                                   SIGNATURES
                                   ----------

         Pursuant to the requirements of the Securities Exchange Act of 1934,
First Washington FinancialCorp, has duly caused this report to be signed on its
behalf by the undersigned thereunto duly authorized.


                                           FIRST WASHINGTON FINANCIALCORP.
                                           -------------------------------
                                           (Registrant)


Dated: July 29, 2004                       By: /s/ C. HERBERT SCHNEIDER
                                               ---------------------------------
                                           C. HERBERT SCHNEIDER
                                           President and Chief Executive Officer








                                  EXHIBIT INDEX
                                  -------------

                           CURRENT REPORT ON FORM 8-K
                           --------------------------


Exhibit No.       Description                                          Page No.
- -----------       -----------                                          --------

99.1              Press Release released July 29, 2004                   5-6
                  announcing the Registrant's results
                  for the second quarter of 2004.