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<title>Palmetto Form 8k by edgar2.com</title>


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<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'><font face="Arial"><b>&nbsp;</b></font></p>

<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'><font face="Arial"><b>&nbsp;</b></font></p>









<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'><font face="Arial"><b>UNITED STATES </b></font></p>

<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'><font face="Arial"><b>SECURITIES AND EXCHANGE
COMMISSION</b></font></p>

<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'><font face="Arial"><b>Washington, D. C. 20549</b></font></p>
<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'>&nbsp;</p>



<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'><font face="Arial"><b>FORM 8-K</b></font></p>
<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'>&nbsp;</p>



<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'><font face="Arial">CURRENT REPORT</font></p>
<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'>&nbsp;</p>



<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'><font face="Arial">Pursuant to Section 13 or
15(d) of the Securities Exchange Act of 1934</font></p>
<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'>&nbsp;</p>



<p align=center style='margin:0pt;margin-bottom:.0001pt;
text-align:center'><font face="Arial">Date of Report (Date of
earliest event reported): November 1, 2005<br>
&nbsp;</font></p>



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  <font face="Arial">&nbsp; </font>

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  </td>
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  <td colspan=7 valign=top style='padding:0pt; '>
  <p align=center style='text-align:center'><font face="Arial"><b>
	<font size="4">Palmetto Bancshares, Inc.<br>
	</font></b>(Exact name of registrant as
  specified in charter)</font></p>
  </td>
 </tr>
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  <font face="Arial">&nbsp;</font></td>
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  <td colspan=2 valign=top style='padding:0pt; '>
  <p style='margin-right:-17.05pt'><font face="Arial"><u>South
  Carolina&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></font></p>
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  <p align=center style='text-align:center'><font face="Arial"><u>&nbsp;&nbsp;&nbsp;&nbsp;
  0-26016&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></font></p>
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  <p align=right style='text-align:right'><font face="Arial"><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  74-2235055</u></font></p>
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  <p><font face="Arial">State or
  other jurisdiction of incorporation </font> </p>

  </td>
  <td valign=top style='padding:0pt; '>
  <p align=center style='text-align:center'><font face="Arial">Commission File Number</font></p>
  </td>
  <td colspan=3 valign=top style='padding:0pt; '>
  <p align=right style='text-align:right'><font face="Arial">&nbsp;IRS Employer I.D. number</font></p>
  </td>
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  </td>
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  <font face="Arial">&nbsp;</font></td>
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  </td>
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  </td>
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  <font face="Arial">&nbsp;</font></td>
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  <td colspan=4 valign=top style='padding:0pt; '>
  <p><font face="Arial"><u>301
  Hillcrest Drive, Laurens, South Carolina</u></font></p>
  </td>
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  <td colspan=2 valign=top style='padding:0pt; '>
  <p align=right style='text-align:right'><font face="Arial"><u>29360</u></font></p>
  </td>
 </tr>
 <tr>
  <td colspan=4 valign=top style='padding:0pt; '>
  <p><font face="Arial">Address
  of principal executive offices</font></p>
  </td>
  <td valign=top style='padding:0pt; '>

  </td>
  <td colspan=2 valign=top style='padding:0pt; '>
  <p align=right style='text-align:right'><font face="Arial">Zip Code</font></p>
  </td>
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  <font face="Arial">&nbsp;</font></td>
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  <font face="Arial">&nbsp;</font></td>
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  <td colspan=7 valign=top style='padding:0pt; ' align="center">

  <p style='margin-right:-15.25pt'><font face="Arial">&nbsp;&nbsp;&nbsp;&nbsp; <u>(864) 984-4551</u></font></p>

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  <td colspan=7 valign=top style='padding:0pt; '>
  <p align=center style='text-align:center'><font face="Arial">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Registrant's telephone
  number </font> </p>
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<p style='text-align:justify;text-indent:18.0pt'><font face="Arial">Check the appropriate box below if
the Form 8-K filing is intended to simultaneously satisfy the filing obligation
of the registrant under any of the following provisions (<i>see</i> General
Instruction A.2. below):</font></p>



<p style='text-align:justify;text-indent:18.0pt'><font face="Arial">[&nbsp; ] Written communications pursuant
to Rule 425 under the Securities Act (17 CFR 230.425)</font></p>



<p style='text-align:justify;text-indent:18.0pt'><font face="Arial">[&nbsp; ] Soliciting material pursuant to
Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p>



<p style='text-align:justify;text-indent:18.0pt'><font face="Arial">[ ] Pre-commencement communications
pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></p>



<p style='text-align:justify;text-indent:18.0pt'><font face="Arial">[ ] Pre-commencement communications
pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></p>





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<p style='margin:0pt;margin-bottom:.0001pt'><font face="Arial"><b>Item 2.02.&nbsp; Results of Operations and Financial
Condition.</b></font></p>

<p style='margin:0pt;margin-bottom:.0001pt'><font face="Arial"><b>&nbsp;</b></font></p>

<p style='margin-right:18.0pt;margin-left:0pt;'><font face="Arial">On
November 1, 2005, Palmetto Bancshares, Inc. mailed to shareholders its
quarterly shareholder earnings overview disclosing the results of operations
and financial condition of the Company as of and for the three and nine months
ended September 30, 2005. </font> </p>



<p style='margin-left:0pt; margin-right:0pt'><font face="Arial">For more information regarding this matter, see the
shareholder earnings overview attached hereto as Exhibit 99.</font></p>





<p style='margin-left:0pt; margin-right:0pt'><font face="Arial"><b>Item 9.01.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial Statements and Exhibits</b></font></p>

<p style='margin-left:0pt; margin-right:0pt'><font face="Arial">(c) Exhibits</font></p>



<p style='margin:0pt;margin-bottom:.0001pt;text-indent:13.5pt'>
<font face="Arial">99&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Shareholder report mailed November
1, 2005</font></p>







<p align=center style='margin-right:-9.0pt;text-align:center'>
<font face="Arial">SIGNATURES</font></p>



<p style='margin-right:-9.0pt;text-align:justify'><font face="Arial">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.</font></p>







<p style='margin-right:-9.0pt;text-align:justify'><font face="Arial">PALMETTO BANCSHARES, INC.</font></p>





<p style='margin-right:-9.0pt;text-align:justify'><font face="Arial">By:</font></p>



<p style='margin-right:-9.0pt;text-align:justify'><font face="Arial"><u>/s/ L. Leon Patterson&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</u><br>
L. Leon Patterson<br>
Chairman and Chief Executive Officer</font></p>
<p style='margin-right:-9.0pt;text-align:justify'>&nbsp;</p>







<p style='margin-right:-9.0pt;text-align:justify'><font face="Arial"><u>/s/ Paul W. Stringer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<br>
</u>Paul W. Stringer<br>
President and Chief Operating
Officer<br>
(Chief Accounting Officer)<br>
Date:&nbsp;&nbsp; November 1, 2005</font></p>
<p style='margin-right:-9.0pt;text-align:justify'><font face="Arial">&nbsp;</font></p>







</body>

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Palmetto Form 8k by edgar2.com
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): November 1, 2005
Palmetto Bancshares, Inc.
(Exact name of registrant as
  specified in charter)
South
  Carolina
0-26016
74-2235055
State or
  other jurisdiction of incorporation
Commission File Number
IRS Employer I.D. number
301
  Hillcrest Drive, Laurens, South Carolina
29360
Address
  of principal executive offices
Zip Code
(864) 984-4551
Registrant's telephone
  number
Check the appropriate box below if
the Form 8-K filing is intended to simultaneously satisfy the filing obligation
of the registrant under any of the following provisions (
see
General
Instruction A.2. below):
[  ] Written communications pursuant
to Rule 425 under the Securities Act (17 CFR 230.425)
[  ] Soliciting material pursuant to
Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[ ] Pre-commencement communications
pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications
pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item 2.02.  Results of Operations and Financial
Condition.
On
November 1, 2005, Palmetto Bancshares, Inc. mailed to shareholders its
quarterly shareholder earnings overview disclosing the results of operations
and financial condition of the Company as of and for the three and nine months
ended September 30, 2005.
For more information regarding this matter, see the
shareholder earnings overview attached hereto as Exhibit 99.
Item 9.01.      Financial Statements and Exhibits
(c) Exhibits
99               Shareholder report mailed November
1, 2005
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.
PALMETTO BANCSHARES, INC.
By:
/s/ L. Leon Patterson
L. Leon Patterson
Chairman and Chief Executive Officer
/s/ Paul W. Stringer
Paul W. Stringer
President and Chief Operating
Officer
(Chief Accounting Officer)
Date:   November 1, 2005