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 9, 2004 Palmetto Bancshares, Inc. (Exact name of registrant as specified in charter) South Carolina 0-26016 74-2235055 - --------------------- ----------------- ------------------- State or other Commission File Number IRS Employer jurisdiction of incorporation I.D. number 301 Hillcrest Drive, Laurens, South Carolina 29360 - -------------------------------------------- ----- Address of principal executive offices Zip Code (864) 984-4551 Registrant's telephone number Item 12. Disclosure of Results of Operations and Financial Condition. On July 9, 2004 Palmetto Bancshares, Inc. announced the results for the second quarter ended June 30, 2004. 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 9, 2004 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 Palmetto Bancshares, Inc. /s/ Paul W. Stringer - ------------------------------------- Paul W. Stringer Chairman and Chief Executive Officer The Palmetto Bank Date: July 14, 2004