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): October 21, 2005

HOPFED BANCORP, INC.

(Exact name of Registrant as Specified in Charter)

Delaware	0-23667	61-1322555
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

2700 Fort Campbell Boulevard, Hopkinsville, Kentucky 42240

(Address of Principal Executive Offices)

(270) 885-1171

Registrant’s telephone number, including area code

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 2.02 Results of Operations and Financial Condition

On October 21, 2005, the Registrant announced its results of operations for the quarter ended September 30, 2005. A copy of the related press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein.

Item 9.01 Financial Statements and Exhibits

(c) Exhibits. The exhibit listed in the exhibit index is furnished pursuant to Item 2.02 as part of this Current Report on Form 8-K and is not to be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section.

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: October 21, 2005	By:	/s/ John E. Peck
		John E. Peck
		President and Chief Executive Officer

EXHIBIT INDEX

Exhibit Number
99.1	Press Release dated October 21, 2005, issued by the Registrant.

EX-99.1

Exhibit 99.1

NEWS

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

HOPFED BANCORP REPORTS THIRD QUARTER RESULTS

HOPKINSVILLE, Ky. (October 21, 2005) – HopFed Bancorp, Inc. (NASDAQ: HFBC) (the “Company”) today reported results for the third quarter and the nine-month period ended September 30, 2005. Net income for the third quarter ended September 30, 2005, was $1,021,000, or $0.28 per share diluted, compared with net income of $1,065,000, or $0.29 per share diluted, for the third quarter in 2004. Net income for the nine months ended September 30, 2005, was $3,079,000, or $0.84 per share diluted, compared with net income of $3,053,000, or $0.83 per share diluted, for the nine months ended September 30, 2004.

Commenting on the third quarter results, John E. Peck, president and chief executive officer, said, “The Company’s year to date net income remained relatively unchanged as compared to the same period last year despite a difficult interest rate environment. The small decline in the Company’s third quarter 2005 net income is largely the result of a reduced amount of gains on the sale of investments. The Company continues to see an improvement in non-interest income from service charges on loans and deposits. The Company’s commercial loan demand remains strong and we anticipate meeting our goal for loan growth by the end of October 2005.

“In addition, at September 30, 2005, total assets increased to $616.7 million compared with $579.7 million at December 31, 2004, deposits increased to $469.7 million compared with $436.1 million at December 31, 2004, while net loans increased to $373.6 million compared with $356.8 million at December 31, 2004.”

HopFed Bancorp, Inc. is a holding company for Heritage Bank headquartered in Hopkinsville, Kentucky. The Bank has nine offices in western Kentucky as well as Fall & Fall Insurance of Fulton, Kentucky and Heritage Solutions of Murray, Kentucky. The Bank offers a broad line of banking and financial products and services with the personalized focus of a community banking organization. More information about HopFed Bancorp and Heritage Bank may be found on its website www.bankwithheritage.com.

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HFBC Announces Second Quarter Results

Page 2

October 21, 2005

Information contained in this press release, other than historical information, may be considered forward-looking in nature and is subject to various risks, 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

(Dollars In thousands, except share and per share data)

	Three Months Ended September 30,				Nine Months Ended September 30,
	2005		2004		2005		2004
Earnings Summary
Interest income on loans	$	5,634	$	4,842	$	15,823	$	14,375
Interest income on taxable investments		1,772		1,663		4,957		4,497
Interest income on non taxable investments		147		258		517		758
Interest income on time deposits		63		6		80		15
Total interest income		7,616		6,769		21,377		19,645
Interest expense on deposits		3,157		2,420		8,425		7,205
Interest on subordinated debentures		174		119		507		330
Interest expense on borrowed funds		686		623		2,067		1,634
Total interest expense		4,017		3,162		10,999		9,169
Net interest income		3,599		3,607		10,378		10,476
Provision for loan losses		300		300		900		900
Net interest income after provision For loan losses		3,299		3,307		9,478		9,576
Non-interest income:
Gain on sale of assets		—		—		4		—
Gain on sale of investments		16		125		379		300
Gain on sale of loans		45		14		110		70
Service charges		659		493		2,054		1,393
Other		250		214		702		578
Total non-interest income		970		846		3,249		2,341
Non-interest expense:
Salaries and benefits		1,491		1,340		4,371		3,868
Intangible amortization		94		95		284		305
Occupancy expense		236		187		720		531
Data processing		302		229		821		646
State deposit taxes		125		117		354		338
Loss on sale of fixed assets		—		—		—		7
Other operating expenses		550		609		1,768		1,672
Total non-interest expense		2,798		2,577		8,318		7,367
Net income before income taxes		1,471		1,576		4,409		4,550
Federal income tax expense		450		511		1,330		1,497
Net income	$	1,021	$	1,065	$	3,079	$	3,053
Earnings per share - basic	$	0.28	$	0.29	$	0.85	$	0.84
Earnings per share - diluted	$	0.28	$	0.29	$	0.84	$	0.83
Dividend per share	$	0.12	$	0.12	$	0.36	$	0.36
Weighted average shares outstanding – Basic		3,647,917		3,638,152		3,642,667		3,633,379
Weighted average shares outstanding – Diluted		3,672,394		3,665,525		3,668,724		3,662,276

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HFBC Announces Second Quarter Results

Page 3

October 21, 2005

	As of
	September 30, 2005			December 31, 2004
Total assets	$	616,665		$	579,731
Loans receivable, gross		377,455			360,098
Securities available for sale		176,708			155,166
Required investment in FHLB stock		3,166			3,015
Securities held to maturity		18,237			22,768
Allowance for loan losses		3,817			3,273
Total deposits		469,694			436,195
Total borrowings		93,883			91,629
Stockholders’ equity		49,976			49,373
Book value	$	13.70		$	13.58
Allowance for loan loss / Gross loans		1.01	%		0.91	%
Non performing assets / Total assets		0.23	%		0.13	%
Non accrual or 90 days past due / Total loans		0.34	%		0.18	%

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