-------------------------------------------------------------------------------- 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 21, 2004 ________________ First Midwest Financial, Inc. (Exact name of registrant as specified in its charter) _______________ Delaware 0-22140 42-1406262 (State or other jurisdiction of (Commission File) (IRS Employer incorporation or organization) Number Identification No.) Fifth at Erie, Storm Lake, IA 50588 (Address of principal executive offices)(Zip Code) Registrant's telephone number, including area code: (712) 732-4117 ___________________ -------------------------------------------------------------------------------- TABLE OF CONTENTS Item 7. Financial Statements and Exhibits. Item 12. Results of Operations and Financial Condition. Signatures Exhibit Index Exhibit 99.1 i Item 7. Financial Statements and Exhibits. (c) Exhibits. --------- The following Exhibit is being furnished herewith: 99.1 Registrant's Press Release dated January 20, 2004. Item 12. Results of Operations and Financial Condition. On January 20, 2004, the Registrant announced the results of operations and financial position as of, and for the first quarter ended December 31, 2003. The press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. 1 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 hereunto duly authorized. FIRST MIDWEST FINANCIAL, INC. By: /s/ Ronald J. Walters --------------------- Ronald J. Walters Senior Vice President, Secretary, Treasurer and Chief Financial Officer Dated: January 21, 2004 Exhibit Index ------------- Exhibit Number Description of Exhibit ------ ---------------------- 99.1 Registrant's Press Release dated January 20, 2004