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 (Date of Earliest Event Reported): July 20, 2005



                             FOUR OAKS FINCORP, INC.
             (Exact name of registrant as specified in its charter)


         North Carolina               000-22787              56-2028446
 (State or other jurisdiction     (Commission File        (I.R.S. Employer
       of incorporation)               Number)          Identification Number)



                6114 U.S. 301 South
             Four Oaks, North Carolina                    27524
     (Address of principal executive offices)          (Zip Code)



                                 (919) 963-2177
               Registrant's telephone number, including area code

                                       N/A
          (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[  ] Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)
[  ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)
[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))
[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))





Item 2.02      Results of Operations and Financial Condition.

On July 20, 2005, Four Oaks Fincorp, Inc. (OTCBB:FOFN) issued a press release
announcing reported financial results for the second quarter ended June 30,
2005. The full text of the press release is set forth in Exhibit 99.1 hereto and
is incorporated herein by reference.

Pursuant to General Instruction B.2 of Current Report on Form 8-K, the
information in this Item 2.02, including the press release attached as Exhibit
99.1, is furnished and shall not be deemed to be "filed" for purposes of Section
18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to
the liability of that section. Furthermore, the information in this Item 2.02,
including the press release attached as Exhibit 99.1, shall not be deemed to be
incorporated by reference into the filings of the registrant under the
Securities Act of 1933, as amended.


Item 9.01      Financial Statements and Exhibits.

(c)  Exhibits.


         Exhibit No.       Description
         -----------       -----------
         99.1              Press Release issued on July 20, 2005







                                    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.


                                           FOUR OAKS FINCORP, INC.


                                           By:  /s/ Ayden R. Lee, Jr.
                                              ----------------------------------
                                           Ayden R. Lee, Jr.
                                           President and Chief Executive Officer



Date: July 20, 2005



                                  EXHIBIT INDEX
                                  -------------


         Exhibit No.             Description
         -----------             -----------
         99.1                    Press Release issued on July 20, 2005