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  <body>
  
  <p>&nbsp;</p>
  &nbsp;</p>
  
  <br clear="ALL">
  &nbsp;<p class="MsoNormal" align="center" style="text-align: center; text-autospace: none"><b>EFFECTIVE
  AUGUST 23RD, 2004<br>
  <br>
  &nbsp;</b></p>
  <p class="MsoNormal" align="center" style="text-align: center; text-autospace: none">
  <b>UNITED
  STATES</b></p>
  <p class="MsoNormal" align="center" style="text-align: center; text-autospace: none">
  <b>SECURITIES
  AND EXCHANGE COMMISSION</b></p>
  <p class="MsoNormal" align="center" style="text-align: center; text-autospace: none">
  <b>Washington,
  D.C. 20549</b><br>
  <br>
  &nbsp;</p>
  <p class="MsoNormal" align="center" style="text-align: center; text-autospace: none">
  <b>FORM 8-K<br>
  <br>
  &nbsp;</b></p>
  <p class="MsoNormal" align="center" style="text-align: center; text-autospace: none">
  <b>CURRENT
  REPORT</b></p>
  <p class="MsoNormal" align="center" style="text-align: center; text-autospace: none">
  <b>Pursuant to
  Section 13 OR 15(d) of The Securities Exchange Act of 1934<br>
  <br>
  &nbsp;</b></p>
  <p class="MsoNormal" style="text-autospace: none">
  Date of Report (Date
  of earliest event reported)<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;August
  27, 2004&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;&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>
  <br>
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none"><u>
  &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;&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;&nbsp;&nbsp;&nbsp;&nbsp;Raymond
  James Financial, Inc.&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></p>
  <p class="MsoNormal" align="center" style="text-align: center; text-autospace: none">
  (Exact name of
  registrant as specified in its charter)<br>
  <br>
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none"><u>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Florida&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1-9109&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No.
  59-1517485&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></p>
  <p class="MsoNormal" style="text-autospace: none">
  (State or other
  jurisdiction &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; (Commission
  &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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IRS Employer</p>
  <p class="MsoNormal" style="text-autospace: none">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; of
  incorporation) &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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; File Number)
  &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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Identification No.)<br>
  <br>
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none"><u>
  880 Carillon
  Parkway&nbsp;&nbsp; St. Petersburg,&nbsp;
  Florida&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;33716&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></p>
  <p class="MsoNormal" style="text-autospace: none">
  &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;(Address of principal executive offices)
  &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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Zip Code)<br>
  <br>
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  Registrant's
  telephone number, including area code <u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(727)-567-1000&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u><br>
  <br>
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  ______________________________________________________________________________________</p>
  <p class="MsoNormal" align="center" style="text-align: center; text-autospace: none">
  (Former name or
  former address, if changed since last report.)</p>
  <p class="MsoNormal" align="center" style="text-align: center; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  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):<br>
  <br>
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  [ ] Written
  communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<br>
  <br>
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  [ ] Soliciting
  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<br>
  <br>
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none; margin-right: -.5in">
  [ ] Pre-commencement
  communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
  240.14d-2(b))<br>
  <br>
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none; margin-right: -27.0pt">
  [ ] Pre-commencement
  communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
  240.13e-4(c))</p>
  <p class="MsoNormal">&nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  Item
  5.03.&nbsp;&nbsp;Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.</p>
  <p class="MsoNormal" style="text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  On August 26, 2004
  the Board of the Directors of the Company amended Article IV, Section 12 of the
  by-laws relating to indemnification of directors. A copy of the amendment is
  attached hereto as Exhibit 99.1.</p>
  <p class="MsoNormal" style="text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  Item 8.1&nbsp;&nbsp;Other
  Events</p>
  <p class="MsoNormal" style="text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  Raymond James
  Financial, Inc. issued a press release, dated August 27, 2004, announcing its
  quarterly dividend on the Company's common. A copy of such press release is
  attached hereto as Exhibit 99.2. </p>
  <p class="MsoNormal" style="text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  Exhibit 99.1</p>
  <p class="MsoNormal" style="text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  On August 26, 2004
  the Board of the Directors of the Company amended Article IV, Section 12 of the
  by-laws relating to indemnification of directors. The revised text reads as
  follows:</p>
  <p class="MsoNormal" style="text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  Section 12.&nbsp; The Company shall:</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (a)&nbsp;
  Indemnify any person made a party to an action by or in the right of the Company
  to procure a judgment in its favor by reason of his being or having been a
  director or officer of the Company, or of any other corporation, firm,
  association or entity which he served as such at the request of the Company, or
  Trustee of any employee benefit plan or trust or other program sponsored by the
  Company or any subsidiary of the Company, against the reasonable expenses,
  including attorneys' fees, incurred by him in connection with the defense or
  settlement of such action, or in connection with an appeal therein, except in
  any case where such person is adjudged in a final adjudication to have been
  guilty of conduct as to which, as a matter of&nbsp; law, no such indemnification may
  be made;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (b)&nbsp;
  Indemnify any person made a party to an action, suit or proceeding, other than
  one by or in the right of the Company to procure a judgment in its favor,
  whether civil or criminal, brought to impose a liability or penalty on such
  person for an act alleged to have been committed by such person in his capacity
  of director or officer of the Company, or of any other corporation, firm,
  association or entity which he served as such at the request of the Company, or
  Trustee of any employee benefit plan or trust or other program sponsored by the
  Company or any subsidiary of the Company, against judgments, fines, amounts paid
  in settlement and reasonable expenses, including attorneys' fees, incurred as a
  result of such action, suit or proceeding, or any appeal therein, unless the
  Board of Directors determines that such person did not act in good faith in the
  reasonable belief that such action was in the best interests of the Company. The
  termination of any such civil or criminal action, suit or proceeding by
  judgment, settlement, conviction or upon a plea of nolo contendere shall not in
  itself disqualify such person from indemnification except in any case where such
  person is adjudged in a final adjudication to have been guilty of conduct as to
  which, as a matter of law, no such indemnification may be made;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (c)&nbsp;
  Advance the payment of expenses, including attorneys' fees, to any person
  entitled to indemnification hereunder during the pendency of any claim, action
  or proceeding, unless otherwise determined by the Board of Directors in any
  case.&nbsp; </p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  The foregoing rights
  of reimbursement or indemnification shall not be exclusive of other rights to
  which any such person may otherwise be entitled and, in the event of his or her
  death, shall extend to his or her legal representatives.</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  (d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; In any instance where more than one person is entitled to
  reimbursement of attorneys' fees pursuant to this Section 12, the Company shall
  select one attorney to serve as attorney for all such persons, unless, in the
  opinion of the attorney selected by the Company, a conflict of interest exists
  which would prevent representation by that attorney of one or more persons.&nbsp;
  Notwithstanding the foregoing provision, any person may at any time decide to be
  represented by an attorney of his choosing, at his own expense.</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  (e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Company may enter into indemnification agreements with members
  of the Board of Directors which may provide for further or expanded
  indemnification rights or otherwise modify the rights provided under this
  Section 12.</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-autospace: none">
  Exhibit 99.2</p>
  <p class="MsoNormal" style="text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  Aug. 27,
  2004&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  FOR IMMEDIATE RELEASE </p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  Release No.
  0804-05&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;&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;&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; </p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  RAYMOND JAMES
  FINANCIAL BOARD</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  DECLARES QUARTERLY
  DIVIDEND</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ST.
  PETERSBURG, Fla. - The Raymond James Financial Board of Directors Thursday
  authorized a quarterly cash dividend of $0.07 per share, payable Oct. 13 to
  shareholders of record Sept. 27. </p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; This
  is the 18th consecutive year in which Raymond James Financial has paid its
  shareholders a dividend.</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  Raymond James Financial (NYSE-RJF) is a&nbsp;Florida-based diversified&nbsp;holding
  company providing financial services to individuals, corporations and
  municipalities through its&nbsp;subsidiary companies. Its three wholly
  owned&nbsp;broker/dealers, Raymond James &amp; Associates, Raymond James Financial
  Services and Raymond James Ltd.&nbsp;have more than 5,200 financial advisors serving
  1.3 million accounts in 2,200 locations throughout the United States, Canada&nbsp;and
  overseas. In addition, total client assets are currently over $109 billion, of
  which more than $22 billion are managed by the firm's asset management
  subsidiaries.</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" align="center" style="text-align: center; text-autospace: none">
  For further
  information, please contact<br>
  Mike White at 727-567-2824.</p>
  <p class="MsoNormal" align="center" style="text-align: center"><b>
  &nbsp;</b></p>
  <p class="MsoNormal" align="center" style="text-align: center"><b>
  Please visit the
  Raymond James Press Center at
  www.RaymondJames.com/media.</b></p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p class="MsoNormal" style="text-align: justify; text-autospace: none">
  &nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>SIGNATURES</p>
  <p>&nbsp;</p>
  <p>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.</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 27, 2004&nbsp;</u>
  <br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Date)</p>
  <p>RAYMOND JAMES FINANCIAL, INC.</p>
  <p>&nbsp;&nbsp;</p>
  <p>&nbsp;</p>
  <p>BY:&nbsp;/s/ <u>Thomas A. James</u><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Thomas A. James<br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chairman and Chief<br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Officer</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>&nbsp;</p>
  <p>BY:&nbsp;/s/ <u>Jeffrey P. Julien</u><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Jeffrey P. Julien<br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior Vice President
  - Finance<br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and Chief Financial Officer</p>
  <p class="MsoNormal">&nbsp;</p>
  <p class="MsoNormal">&nbsp;</p>
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  </body>
  
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metadata_documents: [{"type": "8-K", "sequence": "1", "filename": "divaug048k.htm", "secsgml_size_bytes": 20797}]
metadata_filer: {"company-data": {"conformed-name": "RAYMOND JAMES FINANCIAL INC", "cik": "0000720005", "assigned-sic": "6211", "irs-number": "591517485", "state-of-incorporation": "FL", "fiscal-year-end": "0930"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-09109", "film-number": "041002520"}, "business-address": {"street1": "880 CARILLON PKWY", "street2": "P O BOX 12749", "city": "ST PETERSBURG", "state": "FL", "zip": "33716", "phone": "727-567-1000"}, "mail-address": {"street1": "P O BOX 12749", "city": "ST. PETERSBURG", "state": "FL", "zip": "33716"}, "former-company": {"former-conformed-name": "RJ FINANCIAL CORP/FL", "date-changed": "19870303"}}
text: EFFECTIVE
  AUGUST 23RD, 2004
  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)
  August
  27, 2004
  Raymond
  James Financial, Inc.
  (Exact name of
  registrant as specified in its charter)
  Florida                                                       1-9109                                                 No.
  59-1517485
  (State or other
  jurisdiction                                  (Commission
                                                 (IRS Employer
  of
  incorporation)                                          File Number)
                                               Identification No.)
  880 Carillon
  Parkway   St. Petersburg, 
  Florida                                                                              33716
  (Address of principal executive offices)
                                                          (Zip Code)
  Registrant's
  telephone number, including area code
  (727)-567-1000
  ______________________________________________________________________________________
  (Former name or
  former address, if changed since last report.)
  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
  5.03.  Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.
  On August 26, 2004
  the Board of the Directors of the Company amended Article IV, Section 12 of the
  by-laws relating to indemnification of directors. A copy of the amendment is
  attached hereto as Exhibit 99.1.
  Item 8.1  Other
  Events
  Raymond James
  Financial, Inc. issued a press release, dated August 27, 2004, announcing its
  quarterly dividend on the Company's common. A copy of such press release is
  attached hereto as Exhibit 99.2.
  Exhibit 99.1
  On August 26, 2004
  the Board of the Directors of the Company amended Article IV, Section 12 of the
  by-laws relating to indemnification of directors. The revised text reads as
  follows:
  Section 12.  The Company shall:
  (a) 
  Indemnify any person made a party to an action by or in the right of the Company
  to procure a judgment in its favor by reason of his being or having been a
  director or officer of the Company, or of any other corporation, firm,
  association or entity which he served as such at the request of the Company, or
  Trustee of any employee benefit plan or trust or other program sponsored by the
  Company or any subsidiary of the Company, against the reasonable expenses,
  including attorneys' fees, incurred by him in connection with the defense or
  settlement of such action, or in connection with an appeal therein, except in
  any case where such person is adjudged in a final adjudication to have been
  guilty of conduct as to which, as a matter of  law, no such indemnification may
  be made;
  (b) 
  Indemnify any person made a party to an action, suit or proceeding, other than
  one by or in the right of the Company to procure a judgment in its favor,
  whether civil or criminal, brought to impose a liability or penalty on such
  person for an act alleged to have been committed by such person in his capacity
  of director or officer of the Company, or of any other corporation, firm,
  association or entity which he served as such at the request of the Company, or
  Trustee of any employee benefit plan or trust or other program sponsored by the
  Company or any subsidiary of the Company, against judgments, fines, amounts paid
  in settlement and reasonable expenses, including attorneys' fees, incurred as a
  result of such action, suit or proceeding, or any appeal therein, unless the
  Board of Directors determines that such person did not act in good faith in the
  reasonable belief that such action was in the best interests of the Company. The
  termination of any such civil or criminal action, suit or proceeding by
  judgment, settlement, conviction or upon a plea of nolo contendere shall not in
  itself disqualify such person from indemnification except in any case where such
  person is adjudged in a final adjudication to have been guilty of conduct as to
  which, as a matter of law, no such indemnification may be made;
  (c) 
  Advance the payment of expenses, including attorneys' fees, to any person
  entitled to indemnification hereunder during the pendency of any claim, action
  or proceeding, unless otherwise determined by the Board of Directors in any
  case.
  The foregoing rights
  of reimbursement or indemnification shall not be exclusive of other rights to
  which any such person may otherwise be entitled and, in the event of his or her
  death, shall extend to his or her legal representatives.
  (d)           In any instance where more than one person is entitled to
  reimbursement of attorneys' fees pursuant to this Section 12, the Company shall
  select one attorney to serve as attorney for all such persons, unless, in the
  opinion of the attorney selected by the Company, a conflict of interest exists
  which would prevent representation by that attorney of one or more persons. 
  Notwithstanding the foregoing provision, any person may at any time decide to be
  represented by an attorney of his choosing, at his own expense.
  (e)           The Company may enter into indemnification agreements with members
  of the Board of Directors which may provide for further or expanded
  indemnification rights or otherwise modify the rights provided under this
  Section 12.
  Exhibit 99.2
  Aug. 27,
  2004                                                                                       
  FOR IMMEDIATE RELEASE
  Release No.
  0804-05
  RAYMOND JAMES
  FINANCIAL BOARD
  DECLARES QUARTERLY
  DIVIDEND
  ST.
  PETERSBURG, Fla. - The Raymond James Financial Board of Directors Thursday
  authorized a quarterly cash dividend of $0.07 per share, payable Oct. 13 to
  shareholders of record Sept. 27.
  This
  is the 18th consecutive year in which Raymond James Financial has paid its
  shareholders a dividend.
  Raymond James Financial (NYSE-RJF) is a Florida-based diversified holding
  company providing financial services to individuals, corporations and
  municipalities through its subsidiary companies. Its three wholly
  owned broker/dealers, Raymond James & Associates, Raymond James Financial
  Services and Raymond James Ltd. have more than 5,200 financial advisors serving
  1.3 million accounts in 2,200 locations throughout the United States, Canada and
  overseas. In addition, total client assets are currently over $109 billion, of
  which more than $22 billion are managed by the firm's asset management
  subsidiaries.
  For further
  information, please contact
  Mike White at 727-567-2824.
  Please visit the
  Raymond James Press Center at
  www.RaymondJames.com/media.
  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.
  August 27, 2004
  (Date)
  RAYMOND JAMES FINANCIAL, INC.
  BY: /s/
  Thomas A. James
  Thomas A. James
  Chairman and Chief
  Executive Officer
  BY: /s/
  Jeffrey P. Julien
  Jeffrey P. Julien
  Senior Vice President
  - Finance
  and Chief Financial Officer