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 20, 2004 GREENE COUNTY BANCSHARES, INC. ------------------------------ (Exact name of Registrant as specified in its charter) Tennessee 0-14289 62-1222567 --------- ------- ---------- (State or Other Jurisdiction (Commission (I.R.S. Employer of Incorporation) File Number) Identification No.) 100 North Main Street, Greeneville, Tennessee 37743-4992 -------------------------------------------------------- (Address of principal executive offices) (423) 639-5111 -------------- Registrant's telephone number, including area code Not Applicable -------------- (Former Name or former address, if changed since last report) Item 7. Financial Statements and Exhibits (c) Exhibits. The following exhibit is furnished pursuant to Item 9 and Item 12. 99.1 Press Release dated July 20, 2004. Item 9. Regulation FD On July 20, 2004, Greene County Bancshares, Inc. (the "Company") announced its financial results for the second quarter and six months ended June 30, 2004. The full text of the press release is set forth in Exhibit 99.1 hereto. The information in this report, including the exhibit hereto, is being furnished pursuant to Item 9, "Regulation FD," and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, and is not incorporated by reference into any filing of the Company, whether made before or after the date hereof, regardless of any general incorporation language in such filing. Item 12. Results of Operations and Financial Condition On July 20, 2004, the Company announced its financial results for the second quarter and six months ended June 30, 2004. The full text of the press release is set forth in Exhibit 99.1 hereto. The information in this report, including the exhibit hereto, is being furnished pursuant to Item 12, "Results of Operations and Financial Condition," and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, and is not incorporated by reference into any filing of the Company, whether made before or after the date hereof, regardless of any general incorporation language in such filing. 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 hereunto duly authorized. GREENE COUNTY BANCSHARES, INC. Date: July 20, 2004 By: /s/ R. Stan Puckett -------------------------------------- R. Stan Puckett Chairman of the Board and Chief Executive Officer (Duly Authorized Representative) EXHIBIT INDEX Exhibit Number Description of Exhibit(s) ------- ------------------------- 99.1 Copy of press release issued by the Company on July 20, 2004.