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

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         Date of Report (Date of earliest event reported): July 17, 2003


                         CCBT FINANCIAL COMPANIES, INC.
             ------------------------------------------------------
               (Exact name of registrant as specified in charter)




      Massachusetts                  000-25381                  04-3437708
(State or other jurisdiction   (Commission file number)       (IRS employer
     of incorporation)                                      identification no.)


 495 Station Avenue, South Yarmouth, Massachusetts               02664
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    (Address of principal executive offices)                  (Zip code)




                                 (508) 394-1300
                                 --------------
              (Registrant's telephone number, including area code)









Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits

         (c)      Exhibits

Exhibit 99.1      Press Release dated July 17, 2003.

Item 9.  Regulation FD Disclosure.

     On July 17, 2003, CCBT Financial Companies, Inc. (the "Company"),  the bank
holding company for Cape Cod Bank and Trust Company, N.A. (the "Bank"), issued a
press release  announcing  its 2003 second quarter  results.  The press release,
attached as Exhibit  99.1,  is furnished  pursuant to Item 12 of Form 8-K and is
incorporated by reference herein.









                                   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.


                         CCBT FINANCIAL COMPANIES, INC.



Date: July 17, 2003                       /s/ Phillip W. Wong
                                             ----------------------------------
                                               Phillip W. Wong
                                               Executive Vice President and
                                               Chief Financial Officer







                                  Exhibit Index

99.1     Press release, dated July 17, 2003