8-K 1 form8k.txt FORM 8-K 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 May 5, 2004 ______________________________________________________________________________ Date of report (Date of earliest event reported) First Keystone Financial, Inc. ______________________________________________________________________________ (Exact name of registrant as specified in its charter) Pennsylvania 000-25328 23-0469351 ______________________________________________________________________________ (State or other jurisdiction (Commission File Number) (IRS Employer of incorporation) Identification No.) 22 West State Street, Media, Pennsylvania 19063 ______________________________________________________________________________ (Address of principal executive offices) (Zip Code) (610) 565-6210 ______________________________________________________________________________ (Registrant's telephone number, including area code) Not Applicable ______________________________________________________________________________ (Former name or former address, if changed since last report) ITEM 7. Financial Statements, Pro Forma Financial Information and Exhibits ------------------------------------------------------------------ (a) Not applicable. (b) Not applicable. (c) Exhibits The following exhibit is filed herewith. Exhibit Number Description -------------- ----------- 99.1 Press release dated May 5, 2004 announcing results of operations for the three months ended March 31, 2004 ITEM 12. Results of Operations and Financial Condition --------------------------------------------- On May 5, 2004, First Keystone Financial, Inc. (the "Company") reported its earnings for the quarter ended March 31, 2004. For additional information, reference is made to the Company's press release dated May 5, 2004 which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto. The press release attached hereto as an exhibit to this Form 8-K is being furnished to the SEC and shall not be deemed "filed" for any purpose. 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 thereunto duly authorized. FIRST KEYSTONE FINANCIAL, INC. Date: May 6, 2004 By: /s/ Thomas M. Kelly ----------------------- Thomas M. Kelly President