================================================================================ 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): January 28, 2004 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 ================================================================================ ITEM 5. Other Events and Regulation FD Disclosure On January 28, 2004, Federal Trust Corporation issued a press release announcing a $0.02 per share cash dividend to shareholders of record on February 9, 2004, to be paid on February 25, 2004. A copy of the press release is furnished as Exhibit 99.1 to this report. ITEM 12. Results of Operation and Financial Condition On January 28, 2004, Federal Trust Corporation issued a press release announcing its financial results for the fiscal year ended December 31, 2003. A copy of the press release is furnished as Exhibit 99.1 to this report. Date: January 29, 2004 Federal Trust Corporation ------------------------- (Registrant) By:/s/ Gregory E. Smith ----------------------- Gregory E. Smith Chief Financial Officer (407) 323-1833