KEYSTONE FINANCIAL INC
8-K, 2000-09-05
NATIONAL COMMERCIAL BANKS
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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) September 5, 2000

                            KEYSTONE FINANCIAL, INC.

             (Exact name of registrant as specified in its charter)


          Pennsylvania                 0-11460                23-2289209
--------------------------------------------------------------------------------
(State or other jurisdiction   (Commission File Number) (IRS Employer ID No.)
   of incorporation)

     One Keystone Plaza, P.O. Box 3660, Harrisburg,  Pennsylvania 17105-3660
--------------------------------------------------------------------------------
        (Address of principal executive offices)         (ZIP CODE)

       Registrant's telephone number including area code: (717) 233-1555

<PAGE>

Item 5.     Other Events

            The following document is filed as an exhibit to this Form 8-K:

                  I.    Press Release of Keystone Financial, Inc.
                        dated September 5, 2000.
<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 hereunto duly authorized.

                                      Keystone Financial, Inc.
                                         (Registrant)





Date:  September 5, 2000                   Donald F. Holt
      ------------------             ----------------------------
                                     Executive Vice President &
                                     Chief Financial Officer

<PAGE>

EXHIBIT INDEX

Exhibit No.     Description
----------     --------------

  99.1         Press Release of Keystone Financial, Inc. dated
               September 5, 2000.

<PAGE>


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