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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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): July 31, 2003


                              CENTRAL BANCORP, INC.
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               (Exact Name Of Registrant As Specified In Charter)


             Massachusetts               0-25251            04-3447594
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 (State Or Other Jurisdiction         (Commission       (IRS Employer
  Of Incorporation)                    File Number)      Identification No.)



              399 Highland Avenue, Somerville, Massachusetts 02144
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              (Address Of Principal Executive Offices)   (Zip Code)


       Registrant's telephone number, including area code: (617) 628-4000
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                                 Not Applicable
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          (Former Name Or Former Address, If Changed Since Last Report)


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ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
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(a) Not applicable.


(b) Not applicable.


(c) The following exhibit is filed herewith:


    Exhibit 99.1          Press Release dated July 31, 2003


ITEM 12.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION
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     On July 31, 2003, Central Bancorp, Inc. issued a press release
announcing its unaudited financial results for the three months ended June 30,
2003. A copy of the press release is attached to this Report as an exhibit and
is incorporated herein by reference.







                                   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.

                                           CENTRAL BANCORP, INC.



Date:  August 1, 2003                       By:/s/ John D. Doherty
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                                               John D. Doherty
                                               Chairman, President and
                                               Chief Executive Officer