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) July 20, 2004 WSFS Financial Corporation ------------------------------------------------------ (Exact name of Registrant as specified in its Charter) Delaware 0-16668 22-2866913 ---------------------------- --------------- ------------- (State or other jurisdiction (SEC Commission (IRS Employer of incorporation) File No.) Identification Number) 838 Market Street, Wilmington, Delaware 19899 ---------------------------------------- ---------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (302)792-6000 ------------- Not Applicable ------------------------------------------------------------- (Former name or former address, if changed since last Report) WSFS FINANCIAL CORPORATION INFORMATION TO BE INCLUDED IN REPORT ------------------------------------ Item 7. Financial Statements, Pro Forma Financial Information and Exhibits ------------------------ (c) Exhibits: 99.1 Press Release dated July 20, 2004 Item 12. Results of Operations and Financial Condition ------------------------------------------------------ On July 20, 2004, the Registrant issued a press release to report earnings for the quarter ended June 30, 2004. A copy of the press release is furnished with this Form 8-K as an exhibit. -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. WSFS FINANCIAL CORPORATION Date: July 21, 2004 By: /s/Mark A. Turner ------------------------- Mark A. Turner Chief Operating Officer/ Chief Financial Officer