SECURITIES AND EXCHANGE COMMISSION
 
Washington, D.C. 20549
 
FORM 8-K
 
CURRENT FORM
 
Pursuant to Section 13 or 15(D) of the
 
Securities Exchange Act of 1934
 
Date of Report (Date of earliest event reported): October 20, 2004
 
NewMil Bancorp, Inc.
 
(Exact name of registrant as specified in its charter)
 
 
Delaware
 
0-16455
 
06-1186389
 
(State or other jurisdiction of incorporation)
(Commission File Number)
 
(I.R.S. Employer Identification No.)
 
 
19 Main Street, P.O. Box 600, New Milford, CT  06776
(Address of principal executive offices)               (Zip code)
 
(860) 355-7600
(Registrant's telephone number, including area code)
 
N/A
(Former name or former address, if changed since last report)
 
ITEM 2.02. Results of Operations and Financial Condition
 
In a press release dated October 20, 2004 attached to this 8-K as Exhibit 99, the Company announced quarterly earnings.
  
     

 

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.
 
 
NEWMIL BANCORP, INC.
 
 
Registrant
   
October 20, 2004
 
 
 
/s/ B. Ian McMahon
 
B. Ian McMahon
 
Its: Senior Vice President
 

 
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