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): July 14, 2003 PALMETTO BANCSHARES, INC. (Exact name of registrant as specified in charter) South Carolina 0-26016 74-2235055 - --------------------------- ----------------- -------------------- State or other jurisdiction Commission File IRS Employer I.D. of incorporation Number Number 301 Hillcrest Drive, Laurens, South Carolina 29360 - -------------------------------------------- ----- Address of principal executive offices Zip Code (864) 984-4551 -------------- Registrant's telephone number ITEM 9. REGULATION FD DISCLOSURE The following is intended to be furnished pursuant to Item 12, "Disclosure of - -------------------------------------------------------------------------------- Results of Operations and Financial Condition." - ----------------------------------------------- On July 14, 2003 Palmetto Bancshares, Inc. announced the results for the second quarter ended June 30, 2003. For more information regarding this matter, see the press release attached hereto as Exhibit 99. ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS (c) Exhibits 99 Press release dated July 14, 2003 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. PALMETTO BANCSHARES, INC. By: /s/ L. Leon Patterson - --------------------------------------- L. Leon Patterson Chairman and Chief Executive Officer /s/ Paul W. Stringer - --------------------------------------- Paul W. Stringer President and Chief Operating Officer (Chief Accounting Officer) Date: July 16, 2003