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<p align="center"><font face="Times New Roman" size="4">SECURITIES
 AND EXCHANGE COMMISSION</font><br><font face="Times New Roman" size="2">Washington, D.C. 20549</font></p>
<br>
<p align="center"><font face="Times New Roman" size="4"><b>FORM 8-K<br>CURRENT REPORT</b></font></p>
<br>
<p align="center"><font face="Times New Roman" size="3"><b>Pursuant to Section 13 or 15(d) of the<br>
Securities Exchange Act of 1934</b></font></p>
<br>
<p align="center"><font face="Times New Roman" size="2">Date of Report (Date of earliest event reported): October 15, 2003</font></p>
<br>
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<td valign="bottom" align="center"><font face="Times New Roman" size="4"><b>WEBSTER FINANCIAL CORPORATION.</b></font></td>
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<td valign="bottom" align="center"><font face="Times New Roman" size="2">(Exact name of registrant as specified in its charter)</font></td>
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<td width="32%" valign="bottom" align="center"><font face="Times New Roman" size="2"><b>Delaware</b></font></td>
<td><font face="Times New Roman" size="1">&#160;</font></td>
<td width="32%" valign="bottom" align="center"><font face="Times New Roman" size="2"><b>001-31486</b></font></td>
<td><font face="Times New Roman" size="1">&#160;</font></td>
<td width="32%" valign="bottom" align="center"><font face="Times New Roman" size="2"><b>06-1187536</b></font></td>
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<td><hr size="1" noshade color="#000000" width="55%"></td>
<td><font face="Times New Roman" size="1">&#160;</font></td>
<td><hr size="1" noshade color="#000000" width="55%"></td>
<td><font face="Times New Roman" size="1">&#160;</font></td>
<td><hr size="1" noshade color="#000000" width="55%"></td>
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<td valign="bottom" align="center"><font face="Times New Roman" size="2">(State or
 other jurisdiction<br>of incorporation)</font></td>
<td><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom" align="center"><font face="Times New Roman" size="2">(Commission<br>
File Number)</font></td>
<td><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom" align="center"><font face="Times New Roman" size="2">(I.R.S. Employer<br>
Identification No.)</font></td>
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<br><br>
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<td valign="bottom" align="center"><font face="Times New Roman" size="3"><b>Webster Plaza, Waterbury, Connecticut 06702</b></font></td>
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<td valign="bottom" align="center"><font face="Times New Roman" size="2">(Address of principal executive offices)</font></td>
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<br>
<br>
<p align="center"><font face="Times New Roman" size="2">Registrant&#146;s telephone number, including area code: <b><u>(203) 578-2476</u></b></font></p>
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<td valign="bottom" align="center"><font face="Times New Roman" size="3"><b>Not Applicable</b></font></td>
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<td valign="bottom" align="center"><font face="Times New Roman" size="2">(Former name or former
 address, if changed since last report)</font></td>
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<hr size="5" color="gray">
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<p><font face="Times New Roman" size="2"><b><u>Item 12. Results of Operations and Financial Condition
</u></b></font></p>
<p><font face="Times New Roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;On October 15, 2003, Webster Financial Corporation issued a press
release describing its results of operations for the fiscal quarter ending September
30, 2003. That press release is furnished as Exhibit 99.1 to this report and attached hereto.</font></p>
<p><font face="Times New Roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;The information in this Current Report, including the exhibit attached hereto,
 is being furnished pursuant to Item 12 of Form 8-K and shall not be deemed &#147;filed&#148; for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;),
 or otherwise subject to liabilities of that Section, and such information shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act,
 except as shall be expressly set forth by specific reference in such a filing.</font></p>
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<hr size="5" color="gray">
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<br>
<p align="center"><font face="Times New Roman" size="3"><b>SIGNATURES</b></font></p>
<p><font face="Times New Roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;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.</font></p>
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<td width="45%" valign="bottom"><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom"><font face="Times New Roman" size="2"><u>WEBSTER FINANCIAL CORPORATION</u></font></td>
</tr>
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<td valign="bottom"><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom"><font face="Times New Roman" size="2">(Registrant)</font></td>
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<td colspan="2" valign="bottom"><font face="Times New Roman" size="2">&#160;</font></td>
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<td colspan="2" valign="bottom"><font face="Times New Roman" size="2">&#160;</font></td>
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<td valign="bottom"><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom"><font face="Times New Roman" size="2"><u>/s/ William J. Healy&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</u></font></td>
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<td valign="bottom"><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom"><font face="Times New Roman" size="2">William J. Healy<br>Executive Vice President and<br>Chief Financial Officer</font></td>
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<p><font face="Times New Roman" size="2">Date: October 15, 2003</font></p>
<hr size="5" color="gray">
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<p align="center"><font face="Times New Roman" size="3"><b>EXHIBIT INDEX</b></font></p>
<table style="border-collapse:collapse" border="0" cellpadding="0" cellspacing="0" width="100%">
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<td width="20%" valign="bottom" align="center"><font face="Times New Roman" size="2">Exhibit No.</font></td>
<td valign="bottom"><font face="Times New Roman" size="2">Description</font></td>
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<td width="20%" valign="bottom" align="center"><hr size="1" noshade color="#000000" width="40%"></td>
<td valign="bottom"><hr size="1" noshade color="#000000" width="10%" align="left"></td>
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<td width="20%" valign="bottom" align="center"><font face="Times New Roman" size="2">99.1</font></td>
<td valign="bottom"><font face="Times New Roman" size="2">Press release dated October 15, 2003.</font></td>
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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): October 15, 2003
WEBSTER FINANCIAL CORPORATION.
(Exact name of registrant as specified in its charter)
Delaware
001-31486
06-1187536
(State or
 other jurisdiction
of incorporation)
(Commission
File Number)
(I.R.S. Employer
Identification No.)
Webster Plaza, Waterbury, Connecticut 06702
(Address of principal executive offices)
Registrant's telephone number, including area code:
(203) 578-2476
Not Applicable
(Former name or former
 address, if changed since last report)
Item 12. Results of Operations and Financial Condition
On October 15, 2003, Webster Financial Corporation issued a press
release describing its results of operations for the fiscal quarter ending September
30, 2003. That press release is furnished as Exhibit 99.1 to this report and attached hereto.
The information in this Current Report, including the exhibit attached hereto,
 is being furnished pursuant to Item 12 of Form 8-K and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"),
 or otherwise subject to liabilities of that Section, and such information shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act,
 except as shall be expressly set forth by specific reference in such a 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.
WEBSTER FINANCIAL CORPORATION
(Registrant)
/s/ William J. Healy
William J. Healy
Executive Vice President and
Chief Financial Officer
Date: October 15, 2003
EXHIBIT INDEX
Exhibit No.
Description
99.1
Press release dated October 15, 2003.