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: October 27, 2003 FOUR OAKS FINCORP, INC. (Exact name of registrant as specified in its charter) North Carolina 000-22787 56-2028446 (State of incorporation) (Commission File No.) (I.R.S. Employer Identification Number) 6114 U.S. 301 SOUTH, FOUR OAKS, NORTH CAROLINA 27524 (Address of principal executive offices) (919) 963-2177 (Registrant's telephone number, including area code) This document contains 2 pages, excluding exhibits. Item 9. Disclosure of Results of Operations and Financial Condition On October 27, 2003, Four Oaks Fincorp, Inc. (OTC BB: FOFN) reported financial results for the three and nine months ended September 30, 2003. Item 7(c): Exhibits Exhibit 99: Press Release Signatures Pursuant to the requirements of the Securities Exchange Act of 1934, Four Oaks Fincorp, Inc. has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. Four Oaks Fincorp, Inc. By: /s/ Ayden R. Lee, Jr., ------------------------------ Ayden R. Lee, Jr. President and Chief Executive Officer Date: October 27, 2003