8-K

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 30, 2003

HOPFED BANCORP, INC.

(Exact name of registrant as specified in charter)

Delaware	0-23667	61-1322555
(State or other	(Commission	(I.R.S. Employer
jurisdiction of incorporation)	File Number)	Identification No.)

2700 Fort Campbell Boulevard, Hopkinsville, Kentucky	42240
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (270) 885-1171

Item 9. Regulation FD Disclosure (Provided Under Item 12)

The following information is furnished pursuant to Item 12 (“Results of Operations and Financial Condition”) of Form 8-K in accordance with the interim guidance provided by Securities and Exchange Commission Release No. 33-8216.

On April 30, 2003, the Registrant announced its results of operations for the quarter ended March 31, 2003. A copy of the related press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference in its entirety.

The information furnished herein, including Exhibit 99.1, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933.

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.

		HOPFED BANCORP, INC.
DATE:	April 30, 2003	By:	/s/    JOHN E. PECK
			John E. Peck President and Chief Executive Officer

EXHIBIT INDEX

Exhibit Number
99.1	Press Release, dated April 30, 2003, issued by the Registrant.

EX-99.1

FOR IMMEDIATE RELEASE	CONTACT:	John E. Peck
		President and CEO
		(270) 885-1171

HOPFED BANCORP REPORTS FIRST QUARTER RESULTS

HOPKINSVILLE, Ky. (April 30, 2003) – HopFed Bancorp, Inc. (NASDAQ: HFBC) (the “Company”) today reported results for the first quarter ended March 31, 2003. Net income for the first quarter ended March 31, 2003, was $996,000, or $0.27 per share, compared with net income of $1,133,000, or $0.31 per share, for the first quarter in 2002.

Commenting on the first quarter results, John E. Peck, president and chief executive officer, said, “The Company continues to experience exceptional growth in non-interest income. Non-interest income growth has allowed the Company to remain highly profitable despite a sluggish national and local economy. Our expanded product lines, including Internet banking and bill pay, as well as exceptional customer service have been rewarded with continued growth in all of our markets.

“In addition, at March 31, 2003, total assets increased to $466.8 million compared with $427.5 million at December 31, 2002; deposits increased to $392.0 million compared with $353.7 million at December 31, 2002; while net loans increased to $303.0 million compared with $292.1 million at December 31, 2002.

“On April 14, 2003, Heritage Bank opened its new office in Benton, Kentucky. Heritage Bank continues with plans to open an office in Calvert City, Kentucky, by the end of the second quarter. These new locations will allow the Company to provide a higher quality level of service to its current and potential customers.

“In September of 2001, the Company began the process to terminate its defined benefit pension plan for its employees. As required by FASB 88, the Company incurred a $1.4 million dollar curtailment expense that provided the means for the Company to cease further accrual of benefits to its employees. In the second quarter of 2003, the Company anticipates the final settlement of the defined benefit plan and the distribution of its assets to eligible employees. At final settlement, the Company will incur a settlement expense to complete the funding of the plan. The exact amount of settlement expense cannot be determined until the day of final settlement. However, the Company anticipates that this expense will have an impact on second quarter and current year earnings.”

HopFed Bancorp, Inc. is a holding company for Heritage Bank headquartered in Hopkinsville, Kentucky. The Bank has eight offices in western Kentucky and offers a broad line of banking and financial products and services with the personalized focus of a community banking organization.

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HFBC Announces First Quarter Results

Page 2

April 30, 2003

Information contained in this press release, other than historical information, may be considered forward-looking in nature and is subject to various risk, uncertainties, and assumptions. Should one or more of these risks or uncertainties materialize, or should the underlying assumptions prove incorrect, actual results may vary materially from those anticipated, estimated or expected. Among the key factors that may have a direct bearing on the Company’s operating results, performance or financial condition are competition and the demand for the Company’s products and services, and other factors as set forth in filings with the Securities and Exchange Commission.

HOPFED BANCORP, INC.

Selected Financial Data

(In thousands, except per share data)

	Three Months Ended March 31
	2003		2002
Earnings Summary:
Net interest income	$	2,872	$	2,538
Provision for loan losses		400		90
Non-interest income		1,015		436
Non-interest expense		2,023		1,136
Income before taxes		1,464		1,748
Income tax expense		468		615
Net income	$	996	$	1,133
Earnings per share:
Basic and diluted	$	0.27	$	0.31
Weighted average shares outstanding
Basic		3,630		3,631
Diluted		3,646		3,631
	As of March 31, 2003		As of Dec. 31, 2002
Balance Sheet Data:
Total assets	$	466,811	$	427,502
Loans receivable, net		302,953		292,095
Total deposits		392,000		353,655
Shareholders’ equity		47,124		46,878
Book value per share	$	12.98	$	12.91

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