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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): April 26, 2005

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

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

                           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)

                              --------------------


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 April 26, 2005, Northway Financial, Inc. issued a press release announcing
its financial results for the first quarter of 2005. 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 April 26, 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: April 27, 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 April 26, 2005.