Washington D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                         PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                                October 21, 2003
                Date of Report (Date of earliest event reported)

                         THE CHARLES SCHWAB CORPORATION
             (Exact name of registrant as specified in its charter)

             Delaware                    1-9700             94-3025021
  (State or other jurisdiction         Commission        (I.R.S. Employer
 of incorporation or organization)     File Number     Identification Number)

                   120 Kearny Street, San Francisco, CA 94108
              (Address of principal executive offices and zip code)
       Registrant's telephone number, including area code: (415) 627-7000

Item 12.      Results of Operations and Financial Condition

On October 21,  2003,  The Charles  Schwab  Corporation  issued a press  release
announcing  its financial  results for the quarter  ended  September 30, 2003. A
copy of the press release is furnished as Exhibit 99.1 to this report.

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     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.

                                             THE CHARLES SCHWAB CORPORATION

Date:  October 21, 2003                            /s/ Christopher V. Dodds
       ----------------                            ----------------------------
                                                   Christopher V. Dodds
                                                   Executive Vice President and
                                                    Chief Financial Officer

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Exhibit Index

99.1 Press Release dated October 21, 2003 ("Schwab Announces Quarterly Results")

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