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): November 1, 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 2.02.    Results of Operations and Financial Condition.
              ----------------------------------------------

              On November 1, 2005, Registrant issued a press release announcing
              earnings for the quarter ending September 30, 2005. Total assets
              as of September 30, 2005 were $177,827,848 compared to
              $127,921,587 at September 30, 2004. This represents an increase of
              39% from the same period in 2004.

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

                      Not Applicable.

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

                      Not Applicable.

              c.      Exhibits
                      --------

                      (99.1) Press Release dated November 1, 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.


November 1, 2005

Service 1st Bancorp


By:  /s/ ROBERT BLOCH
     -------------------------
     Robert Bloch
     EVP/CFO


                                   Page 3 of 6


                                  EXHIBIT INDEX


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

    99.1            Press Release dated November 1, 2005                5-6



                                   Page 4 of 6