U.S. 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 JANUARY 28, 2004 ------------------------------- (Date of earliest event reported) CNB FLORIDA BANCSHARES, INC. ---------------------------- (Exact Name of Registrant as Specified in Its Charter) FLORIDA ------- (State or other jurisdiction of incorporation) 0-25988 59-2958616 --------------------------- ------------------------ (Commission File Number) (IRS Employer Identification No.) 9715 Gate Parkway North Jacksonville, Florida 32246 --------------------------- ------------------------ (Address of principal (Zip Code) executive offices) Registrant's telephone number, including area code: (904) 997-8484 Item 7. Financial Statements, Pro Forma Financial Information and Exhibits. (c) Exhibits Exhibit No. Description ----------- ----------- 99 Press Release dated January 28, 2004 for CNB Florida Bancshares, Inc. 2003 Fourth Quarter and Full Year Results Item 12. Results of Operations and Financial Condition. On January 28, 2004 CNB Florida Bancshares, Inc. (the "Company") announced 2003 fourth quarter and full year financial results. A copy of the press release announcing the financial results is attached hereto as Exhibit 99. 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. CNB FLORIDA BANCSHARES, INC. (Registrant) Date: January 28, 2004 By: /s/ G. Thomas Frankland --------------------------- (Signature) G. Thomas Frankland Executive Vice President and Chief Financial Officer (Principal Financial Officer)