UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
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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 27, 2004
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EVANS BANCORP, INC.
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(Exact name of Registrant as Specified in Charter)
New York 0-18539 16-1332767
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(State or Other Jurisdiction (Commission (I.R.S. Employer
of Incorporation) File Number) Identification Number)
14-16 North Main Street, Angola, New York 14006
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(Address of Principal Executive Offices) (Zip Code)
Registrant's telephone number, including area code (716) 549-1000
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ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
(c) Exhibits.
99.1 July 27, 2004 Press Release
ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On July 27, 2004, Evans Bancorp, Inc. issued a press release setting forth
its results of operations and financial condition for the second quarter June
30, 2004. A copy of that press release is attached hereto as Exhibit 99.1.
This information is not "filed" pursuant to the Securities Exchange Act of
1934 and is not incorporated by reference into any registrations under the
Securities Act of 1933.
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.
EVANS BANCORP, INC.
By: /s/ James Tilley
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James Tilley, President & CEO
Dated: July 28, 2004
EXHIBIT INDEX
EXHIBIT NO. DESCRIPTION
99.1 July 27, 2004 Press Release