8-K

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): May 25, 2004

IBERIABANK CORPORATION

(Exact name of Registrant as Specified in Charter)

Louisiana	0-25756	72-1280718
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

200 West Congress Street, Lafayette, Louisiana 70501

(Address of Principal Executive Offices)

(337) 521-4003

Registrant’s telephone number, including area code

Not Applicable

(Former name or former address, if changed since last report)

Item 5. Other Events

On May 25, 2004, the Registrant issued a press release announcing the declaration of a quarterly cash dividend of $0.26 per share, payable on July 21, 2004 to shareholders of record as of June 30, 2004. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference in Item 5.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits

Exhibit 99.1	Press Release dated May 25, 2004, with respect to the Registrant’s declaration of a quarterly cash dividend of $0.26 per share.
Exhibit 99.2	Press Release dated May 25, 2004, with respect to the Registrant’s announced comfort range for fully diluted earnings per share for 2004.

Item 9. Regulation FD Disclosure

On May 25, 2004, the Registrant narrowed its previously stated comfort range of $3.75 to $3.85 per share for 2004 fully diluted earnings per share (“EPS”) to an EPS comfort range of $3.75 to $3.80 per fully diluted share for 2004. The Registrant also confirmed comfort with double-digit EPS growth for 2005. A copy of the press release is attached as Exhibit 99.2 to this Current Report on Form 8-K and incorporated by reference in Item 9.

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.

	IBERIABANK CORPORATION
DATE: May 25, 2004	By:	/s/ Daryl G. Byrd
		Daryl G. Byrd
		President and Chief Executive Officer

EX-99.1

Exhibit 99.1

FOR IMMEDIATE RELEASE

May 25, 2004

CONTACT:

Daryl G. Byrd, President and CEO (337) 521-4003

John R. Davis, Senior Executive Vice President (337) 521-4005

IBERIABANK Corporation Announces 8% Increase in Cash Dividend

Lafayette, Louisiana – The Board of Directors of IBERIABANK Corporation (NASDAQ: IBKC), announced the declaration of a quarterly cash dividend of $0.26 per share, up 8% compared to the cash dividend paid in the first quarter of 2004 and 18% versus the same quarter last year. The dividend is payable on July 21, 2004 to shareholders of record as of June 30, 2004. This dividend level equates to an annualized dividend rate of $1.04 per share. Based on the closing stock price on May 24, 2004 of $58.00 per share, the indicated dividend yield is 1.79%.

Daryl G. Byrd, President and Chief Executive Officer of IBERIABANK Corporation commented, “We are delighted to provide to our shareholders a quarterly cash dividend that recognizes the exceptional financial strength of our Company and our confidence we have in our future.”

At March 31, 2004, IBERIABANK Corporation had assets of $2.3 billion, shareholders’ equity of $217 million and a Tier 1 Leverage capital ratio of 7.86%. The Company’s common stock trades on the NASDAQ Stock Market under the symbol “IBKC”.

IBERIABANK Corporation shareholders may take advantage of the Company’s Dividend Reinvestment Plan. This program provides a convenient, economical way for shareholders to increase their holdings of the Company’s common stock. The shareholder pays no brokerage commissions or service charges while participating in the plan.

To enroll in IBERIABANK Corporation’s Dividend Reinvestment Plan, shareholders must have their stock certificate numbers and complete an enrollment form. Enrollment forms and a summary of the plan are available from the Registrar and Transfer Company by calling (800) 368-5948.

IBERIABANK operates full service offices in New Orleans, Shreveport, Baton Rouge, northeast Louisiana and the Acadiana region of Louisiana. The deposits of IBERIABANK are insured by the Federal Deposit Insurance Corporation to the full extent provided for by law and regulation.

EX-99.2

Exhibit 99.2

FOR IMMEDIATE RELEASE

May 25, 2004

CONTACT:

Daryl G. Byrd, President and CEO (337) 521-4003

John R. Davis, Senior Executive Vice President (337) 521-4005

IBERIABANK Corporation Updates 2004 EPS Comfort Range

Lafayette, Louisiana – IBERIABANK Corporation (NASDAQ: IBKC) announced today a narrowing of management’s comfort range for fully diluted earnings per share (“EPS”) for the full year of 2004. Prior to today’s announcement, management’s EPS comfort range was $3.75 to $3.85. The new EPS comfort range is $3.75 to $3.80. This revised range equates to 10% to 11% growth in EPS compared to EPS results of $3.42 for the year ended December 31, 2003. Further guidance and business prospects for 2005 will be provided at the second quarter earnings release conference call.

Consistent with practice in prior years, management is providing narrowed guidance as it relates to the $0.10 range in EPS provided prior to the start of the current year. While quarterly EPS guidance has not typically been provided, management indicated today that the average analyst estimate for the quarter ending June 30, 2004 is currently above management’s current internal expectations for the quarter. Management currently anticipates fully diluted EPS in the second quarter of 2004 will be less than the results reported for the first quarter of 2004. The average analyst estimate is currently $0.93 for the second quarter of 2004 and the first quarter 2004 actual results were $0.90 per share.

Daryl G. Byrd, President and Chief Executive Officer of the Company stated, “We are facing a very challenging interest rate environment, and we continue to invest in our future”. Byrd continued, “Some of the constraints we faced in the first quarter of 2004 have carried over into the second quarter of 2004. These constraints include accelerated bond premium amortization, limited opportunities to leverage our balance sheet, and share repurchase limitations. While the second quarter is challenging, we anticipate a very healthy second half of 2004 as economic uncertainties, including interest rates, are resolved.”

Management stated that based on current projections, bond premium amortization is expected to increase by approximately $350,000 between the first quarter of 2004 and the second quarter of 2004. Bond premium amortization is expected to revert back to the first quarter 2004 level in the third quarter of 2004. On a quarterly EPS basis, each $350,000 of pre-tax income or expense equates to approximately $0.03 per share. Management also stated the costs associated with recruiting strategic hires and other costs, such as annual raises and regulatory compliance expenses, may in aggregate temper second quarter EPS by approximately $0.04 per share.

The Company provided an update regarding the current authorized share repurchase program. In aggregate, the Company has acquired 241,000 shares at an average cost of $58.32 per share, or approximately 80% of the amount of shares authorized by the Board of Directors under the current program.

At March 31, 2004, IBERIABANK Corporation had assets of $2.3 billion, shareholders’ equity of $217 million and a Tier 1 Leverage capital ratio of 7.86%. The Company’s common stock trades on the NASDAQ Stock Market under the symbol “IBKC”.

IBERIABANK operates full service offices in New Orleans, Shreveport, Baton Rouge, northeast Louisiana and the Acadiana region of Louisiana. The deposits of IBERIABANK are insured by the Federal Deposit Insurance Corporation to the full extent provided for by law and regulation.

Management will conduct a live conference call on Tuesday, May 25, 2004, beginning at 4:00 p.m. Central Daylight Time by dialing 1-888-273-9889. The confirmation code for the call is 732274. A replay of the call will be available until midnight Central Daylight Time on June 1, 2004 by dialing 1-800-475-6701. The confirmation code for the replay is 732274.