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) JANUARY 27, 1998 POUGHKEEPSIE FINANCIAL CORP. (Exact name of registrant as specified in its charter) DELAWARE 0-22599 16-1518711 (State of or other jurisdiction (Commission (I.R.S. Employer of incorporation) File Number) Identification Number) 249 MAIN MALL POUGHKEEPSIE, NEW YORK 12601 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code (914) 431-6200 Not Applicable (Former name or former address, if changed since last report) Item 5. Other Events On January 27, 1998, Poughkeepsie Financial Corp., Poughkeepsie, New York issued a press release reporting its results for the fourth quarter and year ended December 31, 1997. A copy of the press release is attached hereto as an exhibit and is incorporated herein by reference. Item 7. Financial Statements, Pro Forma Financial Information and Exhibits (a) Financial Statements of Business Acquired Not applicable. (b) Pro Forma Financial Information Not applicable. (c) Exhibits (1) Press Release dated January 27, 1998. Page 2 of 9 Pages 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. POUGHKEEPSIE FINANCIAL CORP. Date: January 27, 1998 By: /s/Joseph B. Tockarshewsky ----------------------------- Joseph B. Tockarshewsky Chairman of the Board, President and Chief Executive Officer Page 3 of 9 Pages