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

                                  July 28, 2005
                Date of Report (Date of earliest event reported)


                                FIRST BANKS, INC.
             (Exact name of registrant as specified in its charter)


          MISSOURI                  0-20632                      43-1175538
(State or other jurisdiction  (Commission File Number)        (I.R.S. Employer
      of incorporation)                                      Identification No.)


                   135 NORTH MERAMEC, CLAYTON, MISSOURI 63105
               (Address of principal executive offices) (Zip code)


                                 (314) 854-4600
              (Registrant's telephone number, including area code)


                                 Not Applicable
          (Former name or former address, if changed since last report)

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

( ) Written communications pursuant to Rule 425 under the Securities Act (17 CFR
    230.425)

( ) Soliciting  material  pursuant to Rule 14a-12 under the Exchange Act (17 CFR
    240.14a-12)

( ) Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

( ) Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))






                                FIRST BANKS, INC.

TABLE OF CONTENTS
                                                                         Page
                                                                         ----

ITEM 2.02  RESULTS OF OPERATIONS AND FINANCIAL CONDITION...............    1

ITEM 9.01  FINANCIAL STATEMENTS AND EXHIBITS...........................    1

SIGNATURE..............................................................    2








ITEM 2.02 - RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

     On July 28, 2005, First Banks,  Inc. issued a press release  announcing its
financial  results for the three and six months  ended June 30,  2005. A copy of
the press release is attached as Exhibit 99.

ITEM 9.01 - FINANCIAL STATEMENTS AND EXHIBITS.

(c) Exhibits.

    Exhibit Number   Description
    --------------   -----------

          99         Press Release issued by First Banks, Inc. on July 28, 2005.









                                    SIGNATURE


     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.


                                     FIRST BANKS, INC.



Date:  July 28, 2005                 By: /s/  Allen H. Blake
                                         ---------------------------------------
                                              Allen H. Blake
                                              President, Chief Executive Officer
                                              and Chief Financial Officer