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




                                January 28, 2004
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                Date of report (Date of earliest event reported)



                           Chester Valley Bancorp Inc.
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             (Exact name of registrant as specified in its charter)


 Pennsylvania                           000-18833                 23-2598554
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 (State or other jurisdiction         (Commission               (IRS Employer
  of incorporation)                   File Number)           Identification No.)


100 E. Lancaster Avenue, Downingtown, Pennsylvania                   19335
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(Address of principal executive offices)                           (Zip Code)


                                 (610) 269-9700
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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)




ITEM 7.      FINANCIAL STATEMENT AND EXHIBITS

(c) Exhibits

The following exhibit is filed herewith.

             Exhibit                           Description
             -------           --------------------------------------------
             99.1              Press Release dated January 28, 2004


ITEM 12.     RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On January 28, 2004, Chester Valley Bancorp Inc. (the "Company") reported its
results of operations for the quarter ended December 31, 2003.

For additional information, reference is made to the Company's press release
dated January 28, 2004 which is included as Exhibit 99.1 and is incorporated
herein by reference thereto.




                                   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.


                                           Chester Valley Bancorp Inc.


Date         01/28/04                      By: /s/ Joseph T. Crowley
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                                               Joseph T. Crowley
                                               Chief Financial Officer