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
Date of Report (Date of earliest event reported) January 28, 2005
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PFS BANCORP, INC.
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(Exact name of registrant as specified in its charter)
Indiana 000-33233 35-2142534
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(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation) Identification No.)
Second and Bridgeway Streets, Aurora, Indiana 47001
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (812) 926-0631
____________________________
Not Applicable
______________________________________________________________________________
(Former name or former address, if changed since last report)
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 240.14d-2(b))
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14d-2(b))
[ ] 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 240.13e-4(c))
ITEM 2.02 Results of Operations and Financial Condition
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On January 28, 2005, PFS Bancorp, Inc. (the "Company") reported its
results of operations for the year ended December 31, 2004.
For additional information, reference is made to the Company's press
release dated January 28, 2005, which is included as Exhibit 99.1 hereto and
is incorporated herein by reference thereto. The press release attached
hereto is being furnished to the SEC and shall not be deemed to be "filed"
for any purpose except as otherwise provided herein.
Item 9.01 Financial Statements and Exhibits
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(a) Not applicable.
(b) Not applicable.
(c) The following exhibits are included with this Report:
Exhibit No. Description
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99.1 Press Release, dated January 28, 2005
2
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.
PFS BANCORP, INC.
Date: January 28, 2005 By: /s/ Stuart M. Suggs
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Stuart M. Suggs
Corporate Treasurer, Chief Operating
Officer and Chief Financial Officer
EXHIBIT INDEX
Exhibit Number Description
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99.1 Press Release dated January 28, 2005