UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 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 22, 2004
HMN Financial, Inc.
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(Exact name of registrant as specified in its chapter)
Delaware 0-24100 41-1777397
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
1016 Civic Center Drive Northwest
PO Box 6057 55903-6057
(Zip Code)
Rochester, Minnesota
(Address of principal executive offices)
Registrant's telephone number, including area code (507) 535-1200
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(Former name or former address, if changed since last report)
Item 7. Exhibits.
(c) Exhibits (the following exhibits are furnished to the SEC)
Exhibit Number Description
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99 Press release dated January 22, 2004
Item 12. Results of Operations and Financial Condition.
On January 22, 2004, HMN Financial, Inc. (the "Company") reported its
financial results for its second fiscal quarter ended December 31,
2003. See the Company's press release dated January 23, 2004, which is
furnished as Exhibit 99 and incorporated by reference in this Current
Report on Form 8-K.
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.
HMN Financial, Inc.
(Registrant)
Date: January 27, 2004 /s/ Jon Eberle
Jon Eberle, SVP/CFO/Treasurer