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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 P7PuhyJhA23X1zcIDwR5FO2Le7Ieohy3cxVqV/8sTnz71b/nqo8IguS/KSny/zb7
 oKmh1Wt5puLOWjTvsAFuHA==

<SEC-DOCUMENT>9999999997-03-045710.txt : 20031229
<SEC-HEADER>9999999997-03-045710.hdr.sgml : 20031225
<ACCEPTANCE-DATETIME>20031229112226
<PAPER>
ACCESSION NUMBER:		9999999997-03-045710
CONFORMED SUBMISSION TYPE:	ARS
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030930
FILED AS OF DATE:		20031223
EFFECTIVENESS DATE:		20031223

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST KEYSTONE FINANCIAL INC
		CENTRAL INDEX KEY:			0000856751
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				232576479
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		ARS
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25328
		FILM NUMBER:		03043357

	BUSINESS ADDRESS:	
		STREET 1:		22 WEST STATE ST
		CITY:			MEDIA
		STATE:			PA
		ZIP:			19063
		BUSINESS PHONE:		6105656210
</SEC-HEADER>
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<TYPE>ARS
<SEQUENCE>1
<FILENAME>9999999997-03-045710.paper
<DESCRIPTION>AUTO-GENERATED PAPER DOCUMENT
<TEXT>
This document was generated as part of a paper submission.
Please reference the Document Control Number 03043357 for access to the original document.
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