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 28, 2004

GUARANTY BANCSHARES, INC.
(Exact name of registrant as specified in its charter)

Texas

0-23113

75-1656431

(State or other jurisdiction of
incorporation or organization)

(Commission File Number)

(I.R.S. Employer
Identification No.)


100 West Arkansas
Mount Pleasant, Texas

75455

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code:  (903) 572-9881



Item 7.  Financial Statements and Exhibits.

Exhibits.  The following materials are filed as exhibits to this Current Report on Form 8-K:

          99.1   -          Press Release issued by Guaranty Bancshares, Inc. dated July 28, 2004.

Item 12.  Disclosure of Results of Operations and Financial Condition.

          On July 28, 2004, Guaranty Bancshares, Inc. publicly disseminated a press release announcing its financial results for the second quarter ended June 30, 2004.   A copy of the press release is attached as Exhibit 99.1 and is incorporated herein by reference. 


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.

 

GUARANTY BANCSHARES, INC.

 

 

 

Dated:  July 28, 2004

By:

/s/  TYSON ABSTON

 

 


 

 

Tyson Abston
President


EXHIBIT INDEX

Exhibit
Number

 

Description


 


99.1

 

Press Release issued by Guaranty Bancshares, Inc. dated July 28, 2004.