1 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 10, 2000 POTTERS FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) OHIO No. 0-27980 No. 34-1817924 (State or other jurisdiction (Commission File Number) (IRS Employer of incorporation) Identification No.) 519 Broadway, East Liverpool, OH 43920 (Address of principal executive offices) Registrant's telephone number, including area code: (330) 385-0770 Not applicable. (Former name or former address, if changed since last report.) 2 Items 1 - 4. Not Applicable. Item 5. Other Events On July 10, 2000, Potters Financial Corporation issued a press release concerning a lawsuit Potters Bank, its subsidiary, is filing relating to a check fraud scheme, an accrued loss recorded from that scheme and the impact of that loss on second quarter and year-to-date 2000 earnings. Item 6. Not Applicable. Item 7. Exhibits. 99.1 Press Release, dated July 10, 2000, issued by Potters Financial Corporation. SIGNATURE 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. POTTERS FINANCIAL CORPORATION Date: July 10, 2000 By: /s/ Edward L. Baumgardner ------------------------- Edward L. Baumgardner President and Chief Executive Officer