1
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) July 30, 2004
EFC BANCORP, INC.
-----------------
(Exact name of registrant as specified in its charter)
Delaware 1-13605 36-4193304
------------------- ------- ----------
(State or other (Commission File Number) (IRS Employer
jurisdiction of Identification No.)
incorporation)
1695 Larkin Avenue, Elgin, Illinois 60123
----------------------------------- -----
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (847) 741-3900
--------------
2
ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS
---------------------------------
Exhibit 99.1 Press Release Dated July 30, 2004
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
---------------------------------------------
On July 30, 2004, EFC Bancorp, Inc. announced its financial results for
the quarter ended June 30, 2004. The press release announcing financial results
for the quarter ended June 30, 2004 is filed as Exhibit 99.1 and incorporated
herein by reference.
3
SIGNATURE
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.
EFC BANCORP, INC.
Date: August 3, 2004 By: /s/ Eric J. Wedeen
-------------------------------------
Eric J. Wedeen
Chief Financial Officer and
Senior Vice President