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 28, 2005


                               SERVICE 1ST BANCORP
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)


         CALIFORNIA                   000-50323                32-0061893
----------------------------        -------------        ----------------------
(State or other jurisdiction        (File Number)           (I.R.S. Employer
      of incorporation)                                  identification number)


           2800 West March Lane, Suite 120, Stockton, California 95219
           -----------------------------------------------------------
              (Address of principal executive offices and zip code)


                                 (209) 956-7800
              ----------------------------------------------------
              (Registrant's telephone number, including area code)


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 (see General Instruction A.2. below):

[ ]  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 240.13c-4(c))

                                  Page 1 of 6


Item 8.01.  Other Events.
            ------------

            On October 28, 2005, Registrant issued a press release announcing
            the proposed acquisition of Charter Capital Services, LLC. Charter
            Capital represents a consortium of experienced bankers, former
            regulators, capital acquisition specialists, attorneys, and other
            experts devoted exclusively to de novo (i.e., start-up) banks.

            The foregoing is qualified by reference to the press release
            attached as Exhibit 99.1.

Item 9.01.  Financial Statements and Exhibits
            ---------------------------------

            a.    Financial Statements
                  --------------------

                  None.

            b.    Pro Forma Financial Information
                  -------------------------------

                  None.

            c.    Exhibits
                  --------

                  (99.1) Press Release dated October 28, 2005.


                                  Page 2 of 6


                                   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.


October 28, 2005

Service 1st Bancorp


By:  /s/ JOHN O. BROOKS
     -------------------------------
     John O. Brooks
     Chairman


                                  Page 3 of 6


                                  EXHIBIT INDEX


                                                                     Sequential
Exhibit Number     Description                                       Page Number
--------------     -----------                                       -----------

    99.1           Press Release dated October 28, 2005                 5-6



                                  Page 4 of 6