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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

July 28, 2004
(Date of earliest event reported)

R&G FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
         
Puerto Rico   0-22137   66-0532217
  		 
  		 
 
(State or other jurisdiction
of incorporation) 		  (Commission File Number)   (IRS Employer
Identification No.)
     
280 Jesús T. Piñero Ave., Hato Rey, San Juan, Puerto Rico   00918
  		 
 
(Address of principal executive offices)   (Zip Code)

(787) 758-2424
(Registrant’s telephone number, including area code)

Not Applicable
(Former name, former address and former fiscal year, if changed since last report)

 

 

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

  (a)   Not applicable.
 
  (b)   Not applicable.
 
  (c)   The following exhibit is included with this Report:
 
      Exhibit 99.1 Presentation regarding R&G Financial Corporation’s second quarter results.

Item 9.  Regulation FD Disclosure

     The executive officers of R&G Financial (the “Company”) intend to utilize the presentation attached as Exhibit 99.1 to this Form 8-K, in whole or in part, at presentations and meetings with analysts and investors regarding the Company’s second quarter results.

 

 

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 hereunto duly authorized.

         
    R&G FINANCIAL CORPORATION
    By:   /s/ Joseph R. Sandoval
Joseph R. Sandoval
Executive Vice President and
Chief Financial Officer
     
Date: July 28, 2004