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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,
 KRkErKIdmtFLPUMAL7Dg5fYmFrnGmroz5RaHiU5j2HcbjjGQh+iwJP2kX9sgKgju
 cNiQHhPtKuLavArJjEATgw==

<SEC-DOCUMENT>9999999997-05-000190.txt : 20050105
<SEC-HEADER>9999999997-05-000190.hdr.sgml : 20050105
<ACCEPTANCE-DATETIME>20050105095237
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ACCESSION NUMBER:		9999999997-05-000190
CONFORMED SUBMISSION TYPE:	ARS
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040930
FILED AS OF DATE:		20041230
DATE AS OF CHANGE:		20050105
EFFECTIVENESS DATE:		20041230

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST KEYSTONE FINANCIAL INC
		CENTRAL INDEX KEY:			0000856751
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				230469351
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		ARS
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25328
		FILM NUMBER:		04052689

	BUSINESS ADDRESS:	
		STREET 1:		22 WEST STATE ST
		CITY:			MEDIA
		STATE:			PA
		ZIP:			19063
		BUSINESS PHONE:		6105656210
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<FILENAME>9999999997-05-000190.paper
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This document was generated as part of a paper submission.
Please reference the Document Control Number 04052689 for access to the original document.
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