SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


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                                    FORM 8-K

                CURRENT REPORTPURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

         Date of Report (Date of earliest event reported) April 22, 2004
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                            QUAKER CITY BANCORP, INC.
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               (Exact name of registrant as specified in charter)



            Delaware                 0-22528                   95-444421
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(State or other jurisdiction of     (Commission              (IRS employer
          incorporation)            file number)           identification no.)



      7021 Greenleaf Avenue, Whittier, California                90602
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       (Address of principal executive offices)                (Zip code)



  Registrant's telephone number, including area code         (562) 907-2200
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                                 Not applicable
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          (Former name or former address, if changed since last report)









Item 9.  Regulation FD Disclosure*


         The following information and the exhibit relating thereto are
furnished pursuant to Item 9 of this Current Report on Form 8-K. On April 27,
2004, Quaker City Bancorp, Inc. issued a press release regarding its results of
operations for the fiscal quarter ended March 31, 2004 and the declaration on
April 22, 2004 by it's board of directors of a cash dividend. A copy of the
press release is attached hereto as Exhibit 99.1.


Item 12.  Results of Operations and Financial Condition*


         The following information and the exhibit relating thereto are
furnished pursuant to Item 12 of this Current Report on Form 8-K. On April 27,
2004, Quaker City Bancorp, Inc. issued a press release regarding its results of
operations for the fiscal quarter ended March 31, 2004 and the declaration on
April 22, 2004 by it's board of directors of a cash dividend. A copy of the
press release is attached hereto as Exhibit 99.1.


* The information furnished under Item 9 and Item 12 of this Current Report on
Form 8-K, including Exhibit 99.1, shall not be deemed to be "filed" for the
purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or
otherwise subject to the liabilities of that section.














                                    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.


                                        QUAKER CITY BANCORP, INC.



Date:  April 27, 2004                   By: /s/ Frederic R. (Rick) McGill
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                                            Name: Frederic R. (Rick) McGill
                                            Title: President and Chief Executive
                                            Officer












EXHIBIT INDEX
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Exhibit No.             Description
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99.1                    Press Release of Quaker City Bancorp, Inc. dated April
                        27, 2004