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): November 3, 2003
PALMETTO BANCSHARES, INC.
(Exact name of registrant as specified in charter)
South Carolina 0-26016 74-2235055
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State or other jurisdiction Commission File Number IRS Employer I.D. Number
of incorporation
301 Hillcrest Drive, Laurens, South Carolina 29360
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Address of principal executive offices Zip Code
(864) 984-4551
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Registrant's telephone number
ITEM 12. DISCLOSURE OF RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
On November 3, 2003 Palmetto Bancshares, Inc. mailed to shareholders its
quarterly shareholder earnings overview which discloses the results of
operations and financial condition of the Company for the third quarter ended
September 30, 2003.
For more information regarding this matter, see the shareholder earnings
overview attached hereto as Exhibit 99.
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS
(c) Exhibits
99 Shareholder earnings overview mailed November 3, 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
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L. Leon Patterson
Chairman and Chief Executive Officer
/s/ Paul W. Stringer
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Paul W. Stringer
President and Chief Operating Officer
(Chief Accounting Officer)
Date: November 6, 2003