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) October 15, 2004
----------------
SCBT FINANCIAL CORPORATION
--------------------------
(Exact name of registrant as specified in its charter)
South Carolina 001-12669 57-079935
-------------- --------- ---------
(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation) Identification No.)
520 Gervais Street
Columbia, South Carolina 29201-3046
------------------------ ----------
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (800) 277-2175
--------------
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:
[ ] 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 (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.
On October 15, 2004, SCBT Financial Corporation issued a press release
announcing its financial results for the third quarter ended September
30, 2004 and certain other information. A copy of SCBT Financial
Corporation's press release is attached as Exhibit 99.1 to this report
and incorporated herein by reference.
Item 9.01. Financial Statements and Exhibits.
The press release issued by SCBT Financial Corporation in connection
with the announcement is furnished herewith as Exhibit 99.1.
-----------------------------------------------------------------------
Statements included in this Current Report on Form 8-K (including
information incorporated by reference herein) which are not historical in
nature are intended to be, and are hereby identified as, forward looking
statements for purposes of the safe harbor provided by Section 21E of the
Securities and Exchange Act of 1934, as amended. SCBT Financial Corporation
cautions readers that forward-looking statements are subject to certain
risks and uncertainties that could cause actual results to differ
materially from forecasted results. Such risks and uncertainties, include,
among others, the following possibilities: (1) Credit risk associated with
an obligor's failure to meet the terms of any contract with the bank or
otherwise fail to perform as agreed; (2) Interest risk involving the effect
of a change in interest rates on both the bank's earnings and the market
value of the portfolio equity; (3) Liquidity risk affecting the bank's
ability to meet its obligations when they come due; (4) Price risk focusing
on changes in market factors that may affect the value of traded
instruments in mark-to-market portfolios; (5) Transaction risk arising from
problems with service or product delivery; (6) Compliance risk involving
risk to earnings or capital resulting from violations of or nonconformance
with laws, rules, regulations, prescribed practices, or ethical standards;
(7) Strategic risk resulting from adverse business decisions or improper
implementation of business decisions; and (8) Reputation risk that
adversely effects earnings or capital arising from negative public opinion.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed by the undersigned
hereunto duly authorized.
October 15, 2004 SCBT Financial Corporation
By: /s/ Richard C. Mathis
--------------------------
Richard C. Mathis
Executive Vice President and
Chief Financial Officer
Exhibit Index
Exhibit No. Description of Exhibit
----------- ----------------------
99.1 Press release dated October 15, 2004