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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 16, 2004
EFC BANCORP, INC.
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(Exact name of Registrant as specified in its Charter)
Delaware 1-13605 36-4193304
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(State or other (Commission File Number) (IRS Employer
jurisdiction of Identification No.)
incorporation)
1695 Larkin Avenue, Elgin, Illinois 60123
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (847) 741-3900
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ITEM 5. OTHER EVENTS AND REGULATION FD DISCLOSURE
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On January 16, 2004, EFC Bancorp, Inc. (the "Company") issued a press
release announcing that the Company had completed its plan to repurchase 5% of
the Company's outstanding common stock. The Company repurchased a total of
231,808 shares of the Company's common stock at an average price of $17.93.
The press release is attached as Exhibit 99.1 and incorporated by
reference.
ITEM 7. FINANCIAL STATEMENTS AND OTHER EXHIBITS.
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Exhibit 99.1 Press Release dated January 16, 2004.
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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: January 16, 2004 By: /s/ James J. Kovac
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James J. Kovac
Executive Vice President and
Chief Financial Officer
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EXHIBIT 99.1 PRESS RELEASE