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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): October 29, 2003
HFB FINANCIAL CORPORATION
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(Exact name of registrant as specified in its charter)
Tennessee 0-20956 61-1228266
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(State or other Jurisdiction (Commission File Number) (I.R.S. Employer
of Incorporation) Identification Number)
1602 Cumberland Avenue, Middlesboro, Kentucky 40965
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(Address of principal executive offices)
(606) 248-1095
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(Registrant's telephone number, including area code)
Not Applicable
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(Former name or former address, if changed since last report)
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ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.
(c) Exhibits.
The following exhibits are furnished in accordance with Item
601 of Regulation S-K:
Exhibit No. Description
Exhibit 99.1 Press Release, dated October 29, 2003 with
respect to the Registrant's financial
results for the third quarter and nine
months ended September 30, 2003
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
On October 29, 2003, the Registrant announced financial results for the third
quarter and nine months ended September 30, 2003. A copy of the press release
announcing the Registrant's results for the third quarter and nine months ended
September 30, 2003 is attached hereto as Exhibit 99.1 and incorporated by
reference herein. The press release includes information regarding interest
income on a taxable equivalent basis or FTE. FTE is a non-GAAP performance
measure used by management in operating the business which management believes
provides investors with a more accurate picture of the interest yield, spread
and margin for comparative purposes.
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.
HFB Financial Corporation
(Registrant)
Date: October 30, 2003 By: /s/ David B. Cook
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Name: David B. Cook
Title: President and CEO