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 Earliest Event Reported
                                November 8, 2005


                         Money Centers of America, Inc.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)


                                    Delaware
         ---------------------------------------------------------------
         (State or other jurisdiction of incorporation of organization)



                              000-49723 23-2929364
          -------------------------------------------------------------
          (Commission File Number) (IRS Employer Identification Number)




                       700 South Henderson Road, Suite 325
                       King of Prussia, Pennsylvania 19406
               ---------------------------------------------------
               (Address of principal executive offices) (Zip Code)


                                 (610) 354-8888
               --------------------------------------------------
               Registrant's telephone number, including area code


                                 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 (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 (17 CFR 40.14d-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 November 8, 2005, Money Centers of America,  Inc. issued a press release
announcing its financial results for its third quarter of fiscal 2005. A copy of
the press  release  is  furnished  with  this  report as  Exhibit  99.1,  and is
incorporated herein by reference.

     In accordance with General  Instruction B.2 of Form 8-K, the information in
Item 2.02 of this Current Report on Form 8-K is being  furnished under Item 2.02
and  shall not be  deemed  to be  "filed"  for  purposes  of  Section  18 of the
Securities Exchange Act of 1934 (the "Exchange Act") or otherwise subject to the
liabilities of such section,  nor shall such information be deemed  incorporated
by reference in any filing under the Securities Act of 1933 or the Exchange Act.



Item 7.01. Regulation FD Disclosure.

     On November 8, 2005, Money Centers of America,  Inc. conducted a conference
call  regarding the financial  results for its third quarter of fiscal 2005. The
text of the conference call is attached hereto as Exhibit 99.2.



Item 9.01. Financial Statements and Exhibits.

     (c)  Exhibits.

          99.1 Press release, dated November 8, 2005

          99.2 Text of November 8, 2005 conference call






                                       2




                                   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.



                         MONEY CENTERS OF AMERICA, INC.


                                         By: /s/ Christopher M. Wolfington
                                             -----------------------------------
                                       Name: Christopher M. Wolfington
                                      Title: Chief Executive Officer


Date:  November 10, 2005