UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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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 14, 2003
PEOPLES BANCORP OF NORTH CAROLINA, INC.
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(Exact Name of Registrant as Specified in Its Charter)
NORTH CAROLINA 000-27205 56-2132396
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(State or Other Jurisdiction (Commission (IRS Employer
of Incorporation) File No.) Identification No.)
518 WEST C STREET
NEWTON, NORTH CAROLINA 28658
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(Address of Principal Executive Offices) (Zip Code)
(828) 464-5620
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(Registrant's Telephone Number, Including Area Code)
Peoples Bancorp of North Carolina, Inc.
INDEX
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Page
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Item 7 - Financial Statements and Exhibits 3
Item 9 - Regulation FD Disclosure (disclosure pursuant to Item 12,
Results of Operations and Financial Condition) 3
Signatures 4
Exhibit 99(a) Press Release dated July 14, 2003 5
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ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS
(c) Exhibits
(99)(a) Press Release, dated July 14, 2003
ITEM 9. REGULATION FD DISCLOSURE (disclosing information pursuant to Item 12,
Results of Operations and Financial Condition)
(a) On July 14, 2003, Peoples Bancorp of North Carolina, Inc. issued a
press release announcing second quarter earnings.
A copy of the press release is attached hereto as Exhibit (99)(a) and is
incorporated by reference herein.
DISCLOSURE ABOUT FORWARD-LOOKING STATEMENTS
This Form 8-K contains forward-looking statements. These statements are
subject to certain risks and uncertainties that could cause actual results to
differ materially from those anticipated in the forward-looking statements.
Factors that might cause such a difference include, but are not limited to,
changes in interest rate environment, management's business strategy, national,
regional, and local market conditions and legislative and regulatory conditions.
Readers should not place undue reliance on forward-looking statements,
which reflect management's view only as of the date hereof. The Company
undertakes no obligation to publicly revise these forward-looking statements to
reflect subsequent events or circumstances. Readers should also carefully review
the risk factors described in other documents the Company files from time to
time with the Securities and Exchange Commission.
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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.
PEOPLES BANCORP OF NORTH CAROLINA, INC.
Date: July 17, 2003 By: /s/ A. Joseph Lampron
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A. Joseph Lampron
Executive Vice President and Chief Financial
Officer
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