================================================================================ SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 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): April 28, 2005 FEDERAL TRUST CORPORATION (Exact name of registrant as specified in its charter) Florida 000-23449 59-2935028 ---------------------------- ---------------------- ------------------- (State or other jurisdiction Commission File Number (I.R.S. Employer Of incorporation) Identification No.) 312 West First Street Sanford, Florida 32771 ---------------------------------------- (address of principal executive offices) Registrant's telephone number: (407) 323-1833 Not Applicable ------------------------------------------------------------- (Former name or former address, if changed since last report) ================================================================================ ITEM 2.02. RESULTS OF OPERATION AND FINANCIAL CONDITION On April 28, 2005, Federal Trust Corporation issued a press release announcing its financial results for the quarter ended March 31, 2005. A copy of the press release is furnished as Exhibit 99.1 to this report. ITEM 9.01. Financial Statements and Exhibits. (c) Exhibits. The following exhibit is being furnished with this Report: 99.1 Press Release (solely furnished and not filed for purposes of Item 9.01). 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: April 28, 2005 Federal Trust Corporation (Registrant) By: /s/ Gregory E. Smith ---------------------------------------------------- Gregory E. Smith Executive Vice President and Chief Financial Officer EXHIBIT INDEX Exhibit No. Description ------------- ---------------------------- 99.1 Press Release