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 (Date of earliest event reported): April 27, 2004

                            Timberland Bancorp, Inc.
             (Exact name of registrant as specified in its charter)

       Washington                     0-23333                91-1863696
- ------------------------            --------------          -----------
State or other jurisdiction         Commission              (I.R.S. Employer
Of incorporation                    File Number             Identification No.)


624 Simpson Avenue, Hoquiam, Washington                              98550
- --------------------------------------------                         -----
(Address of principal executive offices)                     (Zip Code)


       Registrant's telephone number (including area code) (360) 533-4747


                                 Not Applicable
                                 --------------
          (Former name or former address, if changed since last report)



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

(c)      Exhibits

99.1     Press Release of Timberland Bancorp, Inc. dated April 27, 2004


Item 9. Results of Operations and Financial Condition
- -----------------------------------------------------

     On April 27, 2004, Timberland Bancorp, Inc. issued its earnings release for
the quarter ended March 31, 2004. A copy of the earnings release is attached
hereto as Exhibit 99.1, which is incorporated herein by reference.



                                   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, hereunto duly authorized.

                                         TIMBERLAND BANCORP,INC.


DATE:  April 27, 2004                    By: Dean J. Brydon
                                             -----------------------------------
                                         Dean J. Brydon
                                         Chief Financial Officer