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                                 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): January 25, 2005

                            NORTHWAY FINANCIAL, INC.
             (Exact name of registrant as specified in its charter)

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New Hampshire                      000-23129                 04-3368579
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(State or other jurisdiction of    Commission file number     (I.R.S. Employer
incorporation or organization)                               Identification No.)

                        9 Main Street
                        Berlin New Hampshire        03570
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              (Address of principal executive offices) (Zip code)

       Registrant's telephone number, including area code: (603)752-1171

                                   No Change
                                   ---------
         (Former name or former address, if changed since last report)

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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))

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Item 2.02. Results of Operations and Financial Condition.

On January 25, 2005, Northway Financial, Inc. issued a press release announcing
its financial results for the fourth quarter of 2004. The full text of the
press release is furnished as Exhibit 99.1 hereto.

Item 9.01. Financial Statements and Exhibits.

(c) Exhibits.

99.1     Press Release of Northway Financial, Inc. dated January 25, 2005.






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                                   SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be filed on its behalf by the
undersigned hereunto duly authorized.

                            NORTHWAY FINANCIAL, INC.


Dated: January 28, 2005     By:    \S\Richard P. Orsillo
                               -------------------------------------------------
                               Richard P. Orsillo
                               Senior Vice President and Chief Financial Officer


                                 Exhibit Index

99.1     Press Release of Northway Financial, Inc. dated January 25, 2005.