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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>
<p align="center"><font face="Times New Roman" size="3"><b>FORM 8-K<br>CURRENT REPORT
</b></font></p>
<p align="center"><font face="Times New Roman" size="2"><b>Pursuant to Section 13
 or 15(d) of the<br>Securities Exchange Act of 1934</b></font></p>
<p align="center"><font face="Times New Roman" size="2">Date of Report (Date of earliest
 event reported): November 7, 2003</font></p>
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<td valign="bottom" colspan="5" align="center"><font face="Times New Roman" size="4"><b>WEBSTER FINANCIAL CORPORATION</b></font>
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(Exact name of registrant as specified in its charter)</font></td>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
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<td width="34%" valign="bottom" align="center"><font face="Times New Roman" size="2"><b>Delaware</b>
</font></td>
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<td width="24%" valign="bottom" align="center"><font face="Times New Roman" size="2"><b>001-31486</b>
</font></td>
<td width="4%"><font face="Times New Roman" size="2">&#160;</font></td>
<td width="34%" valign="bottom" align="center"><font face="Times New Roman" size="2"><b>06-1187536</b>
</font></td>
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<td><font face="Times New Roman" size="2">&#160;</font></td>
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<td><font face="Times New Roman" size="2">&#160;</font></td>
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<td valign="bottom" align="center"><font face="Times New Roman" size="2">(State or
 other jurisdiction</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
</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">(IRS Employer
</font></td>
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<td valign="bottom" align="center"><font face="Times New Roman" size="2">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">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">Identification
 No.)</font></td>
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<br>
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<td valign="bottom" align="center"><font face="Times New Roman" size="2"><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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<td><font face="Times New Roman" size="2">&#160;</font></td>
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<td valign="bottom" align="center"><font face="Times New Roman" size="2">Registrant&#146;s telephone number, including area code: <u><b>(203) 578-2476</b></u></font>
</td>
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<td><font face="Times New Roman" size="2">&#160;</font></td>
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<td valign="bottom" align="center"><font face="Times New Roman" size="2"><b>Not Applicable
</b></font></td>
</tr>
<tr>
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</tr>
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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>
</tr>
</table>
<br>
<hr size="5" color="gray">
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<p><font face="Times New Roman" size="3"><b>Item 5.</b>&#160;&#160;&#160;&#160;&#160;&#160;<u><b>Other Events.<br><br></b></u>On November 7, 2003, Webster Financial Corporation (&#147;Webster&#148;) completed its
 acquisition of The North American Bank &#038; Trust Company (&#147;North American&#148;) pursuant to an Agreement and Plan of Merger, dated June 4, 2003, by and among
 Webster, Webster Bank and North American (the &#147;Merger Agreement&#148;). The Merger Agreement
 provided for the merger of North American with and into Webster Bank, with Webster
 Bank being the surviving corporation and continuing to be a wholly owned subsidiary
 of Webster.</font></p>
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<p align="center"><font face="Times New Roman" size="3"><b>SIGNATURES</b></font>
</p>
<p>&#160;&#160;&#160;&#160;&#160;<font face="Times New Roman" size="3">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="50%" valign="bottom"><font face="Times New Roman" size="2">&#160;
</font></td>
<td valign="bottom" align="left"><font face="Times New Roman" size="3">WEBSTER FINANCIAL
 CORPORATION</font></td>
</tr>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom" align="left"><font face="Times New Roman" size="3">(Registrant)
</font></td>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
<td><font face="Times New Roman" size="2">&#160;</font></td>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
<td><font face="Times New Roman" size="2">&#160;</font></td>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom" align="left"><font face="Times New Roman" size="3">/s/ William J.
 Healy</font></td>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom" align="left"><hr width="58%" size="1" color="#000000" noshade></td>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom" align="left"><div style="margin-left:20px"><font face="Times New Roman" size="3">William J.
 Healy</font></div></td>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom" align="left"><div style="margin-left:20px"><font face="Times New Roman" size="3">Executive
 Vice President and</font></div></td>
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<td align="left"><font face="Times New Roman" size="2">&#160;</font></td>
<td valign="bottom" align="left"><div style="margin-left:20px"><font face="Times New Roman" size="3">Chief Financial
 Officer</font></div></td>
</tr>
</table>
<p><font face="Times New Roman" size="3">Date: November 13, 2003</font></p>
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{"company-data": {"conformed-name": "WEBSTER FINANCIAL CORP", "cik": "0000801337", "assigned-sic": "6035", "irs-number": "061187536", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-31486", "film-number": "03998488"}, "business-address": {"street1": "WEBSTER PLAZA", "street2": "145 BANK ST", "city": "WATERBURY", "state": "CT", "zip": "06720", "phone": "2037532921"}, "mail-address": {"street1": "WEBSTER PLAZA", "city": "WATERBURY", "state": "CT", "zip": "06720"}}
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): November 7, 2003
WEBSTER FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
Delaware
001-31486
06-1187536
(State or
 other jurisdiction
(Commission
(IRS Employer
of incorporation)
File Number)
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 5.
Other Events.
On November 7, 2003, Webster Financial Corporation ("Webster") completed its
 acquisition of The North American Bank & Trust Company ("North American") pursuant to an Agreement and Plan of Merger, dated June 4, 2003, by and among
 Webster, Webster Bank and North American (the "Merger Agreement"). The Merger Agreement
 provided for the merger of North American with and into Webster Bank, with Webster
 Bank being the surviving corporation and continuing to be a wholly owned subsidiary
 of Webster.
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: November 13, 2003