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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, 2005
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SCBT FINANCIAL CORPORATION
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(Exact name of registrant as specified in its charter)
South Carolina 001-12669 57-079935
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(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation) Identification No.)
520 Gervais Street
Columbia, South Carolina 29201-3046
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (800) 277-2175
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Not Applicable
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(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))
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Item 2.02. Results of Operations and Financial Condition.
On January 21, 2005, SCBT Financial Corporation issued a press release
announcing its financial results for the fourth quarter and year ended
December 31, 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.
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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.
January 21, 2005 SCBT Financial Corporation
By: /s/ Richard C. Mathis
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Richard C. Mathis
Executive Vice President and
Chief Financial Officer
Exhibit Index
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Exhibit No. Description of Exhibit
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99.1 Press release dated January 21, 2005