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 April 30, 2003 - ------------------------------------------------------------------------------- (Date of earliest event reported) First Keystone Financial, Inc. - ------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) Pennsylvania 000-25328 23-0469351 - ------------------------------------------------------------------------------- (State or other jurisdiction (Commission File Number) (IRS Employer of incorporation) Identification No.) 22 West State Street, Media, Pennsylvania 19063 - ------------------------------------------------------------------------------- (Address of principal executive offices) (Zip Code) (610) 565-6210 - ------------------------------------------------------------------------------- (Registrant's telephone number, including area code) Not Applicable - ------------------------------------------------------------------------------- (Former name, former address and former fiscal year, if changed since last report) ITEM 7. Financial Statements, Pro Forma Financial Information and Exhibits ------------------------------------------------------------------ (a) Not applicable. (b) Not applicable. (c) Exhibits The following exhibit is filed herewith. Exhibit Number Description -------------- ----------- 99.1 Press Release dated April 30, 2003 ITEM 9. Regulation FD Disclosure ------------------------ On April 30, 2003, First Keystone Financial, Inc. (the "Company") reported its earnings for the quarter ended March 31, 2003. The information regarding the Company's results of operations and financial condition, which is required by Item 12 of Form 8-K, is being furnished herein under Item 9 pursuant to the provisions of Release 34-47583 of the U.S. Securities and Exchange Commission. For additional information, reference is made to the Company's press release dated April 30, 2003 which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto. -2- 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. FIRST KEYSTONE FINANCIAL, INC. Date: May 1, 2003 By: /s/ Thomas M. Kelly ------------------------------------- Thomas M. Kelly President and Chief Financial Officer -3-