8-K

                                  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 19, 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 8.01        Other Events.

On October 19, 2005, Four Oaks Fincorp, Inc. issued a press release announcing
that its Board of Directors approved a five-for-four stock split of its common
stock, which represents a 25% stock dividend. The split is payable on November
25, 2005 to shareholders of record on November 9, 2005. The full text of the
press release is set forth in Exhibit 99.1 hereto and is incorporated herein by
reference.

In accordance with Rule 416(b) promulgated under the Securities Act of 1933, as
amended (the "Securities Act"), the number of shares of common stock registered
for sale under the Securities Act by the following Registration Statements on
Form S-8 will be deemed to be increased by the stock split to cover the
additional shares resulting from the application of the stock split to the
registered shares of common stock remaining unsold under the Registration
Statements listed below as of November 25, 2005:

     Registration Statement on Form S-8 (file no. 333-30677) filed with the
     Securities and Exchange Commission on July 2, 1997.

     Registration Statement on Form S-8 (file no. 333-69792) filed with the
     Securities and Exchange Commission on September 21, 2001.

The foregoing Registration Statements, each of which incorporates this Current
Report on Form 8-K, are hereby amended pursuant to Rule 416(b) promulgated under
the Securities Act to increase the number of shares of common stock registered
thereunder to reflect the effects of the stock split.



Item 9.01        Financial Statements and Exhibits.

(c)    Exhibits.


         Exhibit No.       Description
         -----------       -----------
         99.1              Press Release issued on October 19, 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:  October 19, 2005






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


         Exhibit No.             Description
         -----------             -----------
         99.1                    Press Release issued on October 19, 2005

EX-99.1

                                                                    Exhibit 99.1

     Four Oaks Fincorp, Inc. Announces Five-for-Four Stock Split

    FOUR OAKS, N.C.--(BUSINESS WIRE)--Oct. 19, 2005--Four Oaks
Fincorp, Inc.(OTCBB: FOFN).... At the regularly scheduled meeting on
October 17, 2005, the Board of Directors of Four Oaks Fincorp, Inc.
approved a five-for-four split of the Corporation's common stock,
which will be made in the form of a 25% stock dividend.
    President and CEO Ayden R. Lee, Jr. stated that "this split serves
to express to our shareholders and the investing public our
expectations for the continued success of the Company."
    Currently, there are approximately 3.5 million shares of common
stock outstanding. Following the split, Four Oaks Fincorp, Inc. will
have approximately 4.4 million shares of common stock outstanding. The
split is payable November 25, 2005 to shareholders of record on
November 9, 2005.
    Four Oaks Fincorp, Inc. is a bank holding company for Four Oaks
Bank & Trust Company which operates eleven banking offices in Four
Oaks, Clayton, Smithfield, Garner, Benson, Fuquay-Varina, Wallace,
Holly Springs, and Harrells, North Carolina and one loan production
office located in Sanford, North Carolina.
    Four Oaks Fincorp, Inc. trades through our market makers under the
symbol of FOFN.

    Information in this press release contains "forward-looking
statements." These statements involve risks and uncertainties that
could cause actual results to differ materially including without
limitation, the effects of future economic conditions, governmental
fiscal and monetary policies, legislative and regulatory changes, the
risks and changes in interest rates on the level and composition of
deposits, the effects of competition from other financial
institutions, the failure of assumptions underlying the establishment
of the allowance for possible loan losses and the low trading volume
of our common stock.

    CONTACT: Four Oaks Fincorp, Inc.
             Ayden R. Lee, Jr., 919-963-2177
             President and Chief Executive Officer
             Nancy S. Wise, 919-963-2177
             Senior Vice President and Chief Financial Officer