UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 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 23, 2004
HMN Financial, Inc.
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(Exact name of registrant as specified in its chapter)
Delaware 0-24100 41-1777397
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
1016 Civic Center Drive Northwest
PO Box 6057
Rochester, Minnesota 55903-6057
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (507) 535-1200
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(Former name or former address, if changed since last report)
Item 7. Exhibits.
(c) Exhibits (the following exhibits are furnished to the SEC)
Exhibit Number Description
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99 Press release dated July 22, 2004
Item 12. Results of Operations and Financial Condition.
On July 22, 2004, HMN Financial, Inc. (the "Company") reported
its financial results for its second fiscal quarter ended June
30, 2004. See the Company's press release dated July 22, 2004,
which is furnished as Exhibit 99 and incorporated by reference
in this Current Report on Form 8-K.
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.
HMN Financial, Inc.
(Registrant)
Date: July 22, 2004 /s/ Jon Eberle
Jon Eberle, SVP/CFO/Treasurer