FIRST FEDERAL BANKSHARES INC
8-K, 2001-01-09
BLANK CHECKS
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                       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 22, 2000


                         First Federal Bankshares, Inc.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)


         Delaware                      0-25509                  42-1485449
         --------                      -------                  ----------
(State or other jurisdiction)   (Commission File No.)        (I.R.S. Employer
      of incorporation)                                      Identification No.)


                    329 Pierce Street, Sioux City, Iowa 51101
                   -----------------------------------------
                    (Address of principal executive offices)



Registrant's telephone number, including area code:  (712) 277-0200
                                                     --------------


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



<PAGE>



Item 5.  Other Events

                  First Federal Bankshares,  Inc. (the "Company") announced that
it is  commencing  a  share  repurchase  program.  The  program  calls  for  the
repurchase  of  up to  460,000  shares,  or  approximately  10%  of  the  shares
outstanding,  in open  market  purchases.  The shares  will be held as  treasury
stock, and will be available for general  corporate  purposes.  Please see Press
Release dated December 22, 2000, a copy of which is included as Exhibit 99.1.




                                   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.

                                     FIRST FEDERAL BANKSHARES, INC.


DATE:  January 9, 2001               By:  /s/ Barry Backhaus
                                          --------------------------------------
                                          Barry Backhaus
                                          President and Chief Executive Officer



<PAGE>



                                  EXHIBIT INDEX


The following Exhibits are filed as part of this report:

         Exhibit 99.1     Press Release of First Federal Bankshares, Inc. dated
                          December 22, 2000






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