<PAGE>

                       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)
                                  March 7, 2003

                         STATEFED FINANCIAL CORPORATION

--------------------------------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


     Delaware                          0-22790                 42-1410788

--------------------------------------------------------------------------------
(State or other                  (Commission File No.   (IRS Identification No.)
jurisdiction of incorporation)


13523 University Avenue, Clive, Iowa                                 50325

--------------------------------------------------------------------------------
(Address of principal executive offices)                          (Zip Code)


       Registrant's telephone number, including area code: (515) 223-8484

--------------------------------------------------------------------------------


                                       N/A

--------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)

<PAGE>

ITEM 5.  Other Events
---------------------

         On March 7, 2003, the Registrant issued the press release attached
hereto as Exhibit 99.

ITEMS 7.  Financial Statements and Exhibits
-------------------------------------------

         (a) Exhibits:

                       Exhibit 99 - Press release dated March 7, 2003













                                       2

<PAGE>

                                   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.

                                        STATEFED FINANCIAL CORPORATION


Date:  March 7, 2003                By: /s/ Andra K. Black
                                        -------------------
                                               Andra K. Black
                                               Executive Vice President and CFO















                                       3
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{"company-data": {"conformed-name": "STATEFED FINANCIAL CORP", "cik": "0000912567", "assigned-sic": "6035", "irs-number": "421410788", "state-of-incorporation": "DE", "fiscal-year-end": "0630"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-22790", "film-number": "03600591"}, "business-address": {"street1": "13523 UNIVERSITY AVENUE", "city": "CLIVE", "state": "IA", "zip": "50325", "phone": "5152820236"}, "mail-address": {"street1": "13523 UNIVERSITY AVENUE", "city": "CLIVE", "state": "IA", "zip": "50325"}}
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)
                                  March 7, 2003

                         STATEFED FINANCIAL CORPORATION

--------------------------------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)

     Delaware                          0-22790                 42-1410788

--------------------------------------------------------------------------------
(State or other                  (Commission File No.   (IRS Identification No.)
jurisdiction of incorporation)

13523 University Avenue, Clive, Iowa                                 50325

--------------------------------------------------------------------------------
(Address of principal executive offices)                          (Zip Code)

       Registrant's telephone number, including area code: (515) 223-8484

--------------------------------------------------------------------------------

                                       N/A

--------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)
ITEM 5.  Other Events
---------------------

         On March 7, 2003, the Registrant issued the press release attached
hereto as Exhibit 99.

ITEMS 7.  Financial Statements and Exhibits
-------------------------------------------

         (a) Exhibits:

                       Exhibit 99 - Press release dated March 7, 2003

                                       2
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.

                                        STATEFED FINANCIAL CORPORATION

Date:  March 7, 2003                By: /s/ Andra K. Black
                                        -------------------
                                               Andra K. Black
                                               Executive Vice President and CFO

                                       3