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): October 16, 2003


                         CCBT FINANCIAL COMPANIES, INC.
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               (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
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              (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 October 16, 2003.

Item 12.  Results Of Operations And Financial Condition.

     On October 16,  2003,  CCBT  Financial  Companies,  Inc.,  the bank holding
company  for Cape  Cod Bank and  Trust  Company,  N.A.,  issued a press  release
announcing  its 2003 third  quarter  results.  The press  release,  attached  as
Exhibit 99.1, 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: October 17, 2003        /s/ Phillip W. Wong
                              --------------------------------------
                              Phillip W. Wong
                              Executive Vice President and
                              Chief Financial Officer







                                  Exhibit Index

99.1     Press release, dated October 16, 2003