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 11, 2005

                                  K-Fed Bancorp
                                  -------------
             (Exact name of registrant as specified in its charter)

          Federal                    000-50592                 20-0411486
          -------                    ---------                 ----------
(State or other jurisdiction)  (Commission File No.)        (I.R.S. Employer
      of incorporation)                                    Identification No.)

Address of principal executive offices:  1359 N. Grand Avenue, Covina, CA 91722
                                         --------------------------------------

Registrant's telephone number, including area code:  (626) 339-9663
                                                     --------------

                                 Not Applicable
                                 --------------
          (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 8.01. OTHER EVENTS.

     On July 11, 2005, K-Fed Bancorp issued a press release announcing that it
has joined the Russell Microcap TM Index. A copy of the press release is
included as Exhibit 99.1 to this report.


ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

     (A)  FINANCIAL STATEMENTS OF BUSINESSES ACQUIRED: None

     (B)  PRO FORMA FINANCIAL INFORMATION: None

     (C)  EXHIBITS:

          Exhibit 99.1: Press Release



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                                   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.


                                      K-FED BANCORP


DATE:  July 12, 2005                  By:  /s/ Kay M. Hoveland
                                           -------------------
                                           Kay M. Hoveland
                                           President and Chief Executive Officer




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