FORM 8-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 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 17, 2003 ----------------------------- FLAG FINANCIAL CORPORATION -------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) GEORGIA 000-24532 58-209417 -------------------------------------------------------------------------------- (State or other jurisdiction (Commission (IRS Employer of incorporation) File Number) Identification No.) 3475 PIEDMONT ROAD, SUITE 550, ATLANTA, GEORGIA 30305 -------------------------------------------------------------------------------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (404) 760-7700 --------------------------- -------------------------------------------------------------------------------- (Former name or former address, if changed since last report) ITEM 9. REGULATION FD DISCLOSURE -------------------------- On July 17, 2003, Flag Financial Corporation issued a press release reporting its second quarter 2003 results of operations. A copy of the press release is attached as an exhibit to this report. ITEM 7. EXHIBITS -------- (c) Exhibits -------- No. Description --- ----------- 99.1 Press Release dated July 17, 2003. 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. Date: July 17, 2003 FLAG FINANCIAL CORPORATION By: /s/ J. Daniel Speight ----------------------------------------- J. Daniel Speight Vice Chairman, Chief Financial Officer and Secretary EXHIBIT INDEX No. Description --- ----------- 99.1 Press Release dated July 17, 2003.