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: January 30, 2004 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 January 30, 2004, Four Oaks Fincorp, Inc. (OTC BB: FOFN) reported fourth quarter and annual results for fiscal year 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: January 30, 2004