UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 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): November 22, 2004

                              GLACIER BANCORP, INC.
             (Exact name of registrant as specified in its charter)

                                     Montana
                 (State or other jurisdiction of incorporation)

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      (Commission File Number)                (IRS Employer Identification No.)
             000-18911                                    81-0519541      
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                                 49 Commons Loop
                            Kalispell, Montana 59901
               (Address of principal executive offices) (zip code)

       Registrant's telephone number, including area code: (406) 756-4200

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligations 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 230.425)

[_]   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

[_]   Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act of (17 CFR 240.14d-2(b))

[_]   Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act of (17 CFR 240.13e-4(c))



Item 8.01 OTHER EVENTS

      On  November  22,  2004,  Glacier  Bancorp,   Inc.,   Kalispell,   Montana
("Glacier") entered into a Plan and Agreement of Merger (the "Merger Agreement")
with First National Banks - West Co. (the "Company") and its  subsidiary,  First
National Bank - West (the "Bank"). Under the terms of the Merger Agreement,  the
Company will merge with and into  Glacier,  and the Bank will remain as a wholly
owned subsidiary of Glacier.

      Shareholders  of the Company will receive cash for their shares of Company
stock owned. The aggregate purchase price is $41,000,000.

      Consummation  of  the  transaction  is  subject  to  several   conditions,
including  receipt  of  applicable  regulatory  approvals  and  approval  by the
shareholders of the Company. For information regarding the terms of the proposed
transaction,  reference is made to the press  release  dated  November 22, 2004,
which is attached as Exhibit 99.1 and incorporated herein by reference.

Item 9.01 FINANCIAL STATEMENTS AND EXHIBITS

      (a)   Financial statements. - not applicable

      (b)   Pro forma financial information. - not applicable

      (c)   Exhibits.

            99.1  Press Release dated November 22, 2004.



                                   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.

      Dated:   November 22, 2004                  GLACIER BANCORP, INC.



                                                  By: /s/Michael J. Blodnick
                                                      --------------------------

                                                      Michael J. Blodnick
                                                      President and Chief 
                                                      Executive Officer