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United States 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 15, 2004
SCBT FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
South Carolina 000-13663 57-079935
(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation) Identification No.)
520 Gervais Street
Columbia, South Carolina 29201-3046
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (800) 277-2175
(Former name or former address, if changed since last report)
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Item 7. Financial Statements and Exhibits.
(c) The following materials are filed as an exhibit to this Current Report
on Form 8-K:
99.1 Press release dated July 15, 2004
Item 12. Regulation FD Disclosure.
The following information is being furnished pursuant to Item 12,
"Results of Operations and Financial Condition": On July 15,
2004, SCBT Financial Corporation issued a press release
announcing its financial results for the second quarter ended June
30, 2004 and certain other information. A copy of SCBT Financial
Corporation's press release is attached as Exhibit 99.1 to this
report and incorporated into this Item 12 by reference.
Statements included in this Current Report on Form 8-K (including
information incorporated by reference herein) which are not
historical in nature are intended to be, and are hereby
identified as, forward looking statements for purposes of the
safe harbor provided by Section 21E of the Securities and
Exchange Act of 1934, as amended. SCBT Financial Corporation
cautions readers that forward-looking statements are subject to
certain risks and uncertainties that could cause actual results
to differ materially from forecasted results. Such risks and
uncertainties, include, among others, the following
possibilities: (1) Credit risk associated with an obligor's
failure to meet the terms of any contract with the bank or
otherwise fail to perform as agreed; (2) Interest risk involving
the effect of a change in interest rates on both the bank's
earnings and the market value of the portfolio equity; (3)
Liquidity risk affecting the bank's ability to meet its
obligations when they come due; (4) Price risk focusing on
changes in market factors that may affect the value of traded
instruments in mark-to-market portfolios; (5) Transaction risk
arising from problems with service or product delivery; (6)
Compliance risk involving risk to earnings or capital resulting
from violations of or nonconformance with laws, rules,
regulations, prescribed practices, or ethical standards; (7)
Strategic risk resulting from adverse business decisions or
improper implementation of business decisions; and (8) Reputation
risk that adversely effects earnings or capital arising from
negative public opinion.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed by the undersigned
hereunto duly authorized.
SCBT FINANCIAL CORPORATION
July 15, 2004 By: /s/ Richard C. Mathis
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Richard C. Mathis
Executive Vice President and
Chief Financial Officer
Exhibit Index
Exhibit No. Description of Exhibit
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99.1 Press Release dated July 15, 2004