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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 29, 2004


                           FREMONT GENERAL CORPORATION
             (Exact Name of Registrant as Specified in Its Charter)

                                     NEVADA
                 (State or Other Jurisdiction of Incorporation)


          1-8007                                         95-2815260
(Commission File Number)                    (I.R.S. Employer Identification No.)


     2020 SANTA MONICA BOULEVARD - SUITE 600 SANTA MONICA, CA     90404
               (Address of Principal Executive Offices)         (Zip Code)

                                 (310) 315-5500
              (Registrant's Telephone Number, Including Area Code)

                                       N/A
          (Former Name or Former Address, if Changes Since Last Report)





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ITEM 12.   RESULTS OF OPERATIONS AND FINANCIAL CONDITION


     On July 29, 2004, Fremont General Corporation issued a news release to
report its results of operations and financial condition at, and for the three
and six months ended, June 30, 2004. The information set forth in the attached
Exhibit 99.1 is incorporated in the Item by reference and is being furnished and
shall not be deemed "filed" for the purposes of the Securities Exchange Act of
1934, as amended.




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                                   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 thereunto duly authorized.


                                         FREMONT GENERAL CORPORATION


Date:  July 29, 2004                    BY: /s/  Patrick E. Lamb
                                         --------------------------------
                                         Patrick E. Lamb
                                         Senior Vice President Chief Financial
                                         Officer and Treasurer
                                         (Principal Accounting Officer)


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