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)
  December 8, 2009
 
   
First Keystone Financial, Inc.
(Exact name of registrant as specified in its charter)
   
   
Pennsylvania
000-25328
23-2576479
(State or other jurisdiction
(Commission File Number)
(IRS Employer
of incorporation)
Identification No.)
 
 
22 West State Street, Media, Pennsylvania
 
19063
 
(Address of principal executive offices)
(Zip Code)
   
   
 
Registrant’s telephone number, including area code
(610) 565-6210
 
 
 
Not Applicable
(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 (see General Instruction A.2 below):
 
[  ]
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[X]
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))
 
 
 
 
 
 
 
ITEM 2.02          Results of Operations and Financial Condition
 
On December 8, 2009, First Keystone Financial, Inc. (the "Company") reported its results of operations for the three months and year ended September 30, 2009.
 
For additional information, reference is made to the Company's press release dated December 8, 2009, which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto.  The press release attached hereto is being furnished to the Securities and Exchange Commission and shall not be deemed to be "filed" for any purpose except otherwise provided herein.
 
ITEM 8.01          Other Events
 
On December 8, 2009, the Company issued a press release reporting its results of operations for the three months and year ended September 30, 2009. Reference is made to the Company’s press release dated December 8, 2009, which is included as Exhibit 99.1 hereto and incorporated herein by reference thereto.  The press release attached hereto is being furnished to the Securities and Exchange Commission and shall not be deemed to be “filed” for any purpose except otherwise provided herein or incorporated into any filing under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as may be expressly set forth by specific reference in such filing.
 
 
ITEM 9.01
Financial Statements and Exhibits
     
 
(a)
Not applicable.
 
(b)
Not applicable.
 
(c)
Not applicable.
 
(d)
Exhibits
 
 
 
The following exhibits are filed herewith.
 
 
   
Exhibit Number
 
 
Description
 
 
99.1
Press release dated December 8, 2009.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 thereunto duly authorized.
 
     
     
FIRST KEYSTONE FINANCIAL, INC.
 
       
       
Date:  December 8, 2009
By:
  /s/David M. Takats  
     
David M. Takats
     
Chief Financial Officer
     
     
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
3
 
 
EXHIBIT INDEX
 
 
   
Exhibit Number
 
 
Description
 
 
99.1
Press release dated December 8, 2009.
 
 
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