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): October 27, 2003

                         NORTH CENTRAL BANCSHARES, INC.
             (Exact name of registrant as specified in its charter)

               Iowa                        0-27672                42-1449849
  (State or other jurisdiction        (Commission File          (IRS Employer
         of incorporation)                 Number)           Identification No.)

                     c/o First Federal Savings Bank of Iowa,
                   825 Central Avenue, Fort Dodge, Iowa 50501
               (Address of principal executive offices) (Zip Code)

       Registrant's telephone number, including area code: (515) 576-7531

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


Item 1-6.     Not applicable.

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

(c)           The following exhibits are filed with this Report:
              Exhibit No.     Description
              -----------     -----------

              99.1            Press release issued by North Central Bancshares,
                              Inc. (the "Company") on October 27, 2003,
                              furnished in accordance with Item 12 of this
                              Current Report on Form 8-K.

Item 8.       Not applicable.

Item 9.       Regulation FD

              The following information is furnished under this Item 9 in
              satisfaction of Item 12, "Disclosure of Results of Operations and
              Financial Condition."

              On October 27, 2003, the Company announced its earnings for the
              third quarter of the 2003 fiscal year.  A copy of the press
              release dated October 27, 2003, describing third quarter earnings
              is attached as Exhibit 99.1.

Item 10-11.   Not applicable.

Item 12.      Results of Operations and Financial Condition

              See Item 9 per SEC Release 33-8216, March 27, 2003.


                                   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.



                         NORTH CENTRAL BANCSHARES, INC.




                          By:    /s/ David M. Bradley
                                 --------------------
                          Name:  David M. Bradley
                          Title: Chairman, President and Chief Executive Officer


Date: October 27, 2003


                                  EXHIBIT INDEX



Exhibit No.                     Description
-----------                     -----------
   99.1             Press Release dated October 27, 2003.