PULASKI FINANCIAL CORP
8-K, 2000-12-28
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                  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) December 20, 2000

                             PULASKI FINANCIAL CORP.
                             -----------------------
             (Exact name of registrant as specified in its charter)

      Delaware                        0-24571                 43-1816913
      --------                       ---------                ----------
(State or other Jurisdiction of     (Commission             (IRS Employer
incorporation or organization)      File Number)            Identification No.)

                12300 Olive Boulevard, St. Louis, Missouri 63141
                ------------------------------------------------
                    (Address of principal executive offices)

                                 (314) 878-2210
                                 ---------------
              (Registrant's telephone number, including area code)

                                 Not Applicable
                                 --------------
          (Former name or former address, if changed since last report)










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ITEM 4.   CHANGES IN REGISTRANT'S CERTIFYING ACCOUNTANT
          ---------------------------------------------

      (a)   Deloitte & Touche LLP  was  previously the principal accountants for
            Pulaski Financial Corp. (the "Company").  On December 20, 2000, that
            firm's  appointment as principal  accountants  was terminated by the
            Company.  The  decision to change  accountants  was  approved by the
            board of directors.  In connection with the audits of the two fiscal
            years ended  September 30, 2000,  there were no  disagreements  with
            Deloitte  &  Touche  on  any  matter  of  accounting  principles  or
            practices,  financial  statement  disclosure,  or auditing  scope or
            procedures,   which   disagreements   if  not   resolved   to  their
            satisfaction would have caused them to make reference to the subject
            matters of the  disagreements  in connection  with their report.  In
            addition,  such financial statements contained no adverse opinion or
            a disclaimer  of opinion,  and were not  qualified or modified as to
            uncertainty, audit scope, or accounting principles.

            The Company  requested  that  Deloitte & Touche  furnish the Company
            with a letter, as promptly as possible,  addressed to the Securities
            and  Exchange  Commission,   stating  whether  it  agrees  with  the
            statements  made  in  response  to Item  304(a)  of  Securities  and
            Exchange  Commission  Regulation  S-K in this  Item  4,  and if not,
            stating  the  respects  in which they do not agree.  That  letter is
            filed as Exhibit 99.1 to this Report.

      (b)   On  December 20, 2000, the  Company engaged Ernst & Young LLP as the
            Company's principal accountants.

ITEM 7(C).   EXHIBITS
             --------

      Exhibit 99.1   Letter from Deloitte & Touche LLP regarding its agreement
                     with the disclosure provided under Item 4.



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                                   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.



Dated: December 28, 2000           By: /s/ William A. Donius
                                       ----------------------------------------
                                       William A. Donius
                                       President and Chief Executive Officer



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